Personal loans in Loraine, TX

Loraine added about 0.4% to its population between the 2020 base and the 2023 estimate. For a borrower among the roughly 508 residents of Loraine, a personal loan is a tool whose cost turns on the terms, not the address.

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.

With an estimated 508 residents, Loraine is the 976th-largest of 1,224 places in Texas. The nearest larger metro is Colorado City, TX about 9 miles away. For the 508 people in Loraine, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Use the calculator on this page to price an amount and term before you commit in Loraine.

Loraine by the numbers

Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.

What a Loraine borrower is actually offered

In Loraine, a small community of about 508, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Loraine can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Loraine loan is knowable in advance — unlike a revolving card balance.

Lender access in Loraine

Loraine is lightly settled, with about 489 people per square mile and 14 larger places within 50 miles. Distance to a branch rarely matters for Loraine's 508 residents: the application is online and the price follows your credit file. The nearest bigger place is Colorado City, TX about 9 miles away.

How Texas law applies in Loraine

Read the table as a lender's compliance picture for Loraine: the rule, the sourced figure, the publisher and the 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

How Loraine compares across Texas

Within Texas, Loraine holds roughly 0.0% of all residents, the 976th-largest share among 1,224 places. Its 2020-to-2023 change ranks 810th of 1,224 Texas places, putting it near the 34th percentile for growth. At about 489 people per square mile, Loraine is the 887th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 2 residents.

Land, water and location for Loraine

The Census Gazetteer records about 1.0 square miles of land within Loraine, with no significant water area listed. With 508 residents, the land area yields roughly 489 people per square mile. For the state's biggest city, Houston, the distance is roughly 363 miles. Loraine has 14 larger places within a 50-mile radius. The 100-mile radius contains 50 larger places.

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 Loraine 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 Loraine is the same as anywhere in Texas.
What loan size can I expect in Loraine?
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 Loraine?
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 Loraine 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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