Personal loans in Lipan, TX

Personal loans in Lipan are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 533 population. By population, Lipan sits at 964th in Texas, with an estimated 533 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Lipan added about 6.0% to its population between the 2020 base and the 2023 estimate. Rate-shopping from Lipan costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The nearest larger metro is Dennis, TX about 9 miles away. To lend to Lipan's 533 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it.

Lipan by the numbers

What follows is Lipan's place in the Census record, alongside the Texas rules that govern a personal loan made here.

How personal loans work in Lipan

In Lipan, a small community of about 533, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Lipan lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Lipan loan is knowable in advance — unlike a revolving card balance.

Lipan's place among Texas's 1,224 places

Within Texas, Lipan holds roughly 0.0% of all residents, the 964th-largest share among 1,224 places. Its 2020-to-2023 change ranks 380th of 1,224 Texas places, putting it near the 69th percentile for growth. At about 502 people per square mile, Lipan is the 880th most densely settled place in Texas. The population moved by about 30 people between 2020 and 2023, a 6.0% shift.

What Texas law requires in Lipan

For the roughly 533 residents of Lipan, the rules below are Texas's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorTexas Office of Consumer Credit Commissioner (OCCC)
Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas.		Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16
Maximum legal interest rate (usury cap)10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001)
Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law.		Texas Legislature (Texas Constitution and Statutes)
as of 2026-09-16
Payday lending statusLegal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393)
Source says: the credit access business that serves as the broker is the licensee in this regulated industry		Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16

What is available to Lipan borrowers

With about 502 residents per square mile, Lipan is moderately settled, and 60 larger Census places sit within 50 miles. Lenders licensed in Texas reach Lipan's 533 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Dennis, TX about 9 miles away.

Before you apply in Lipan

A sensible order of operations for a loan in Lipan, home to about 533 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Lipan-specific: the same Texas licensing and disclosure rules reach all 533 residents.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Lipan if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Lipan is the same as anywhere in Texas.
What loan size can I expect in Lipan?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Lipan?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Lipan cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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