Personal loans in Lott, TX

Read the disclosure for an origination fee and any prepayment penalty before signing in Lott. From the 2020 Census base to the 2023 estimate, the population rose by about 3.6%. Consumer lending that reaches Lott's 668 residents is governed by Texas statute; no city ordinance changes it. The closest larger place is Rosebud, TX about 10 miles away.

The Lott data picture

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

• Population: 668 — Lott ranks 917th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: Roughly 3.6% more residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a gain of about 23 residents.
• Size percentile: Lott sits ahead of around 25% of Texas places, at 668 people.
• Density: roughly 661 residents per square mile, spread over 1.0 sq mi of land.
• Land area rank: Lott's 1.0 square miles rank 1,010th of 1,224 places in Texas.
• Water area: Lott has 0.01 square miles of water, ranking 513th of 1,224 places in Texas.
• State share: roughly 0.0% of Texas's residents live in Lott (668 people).
• National standing: Lott ranks 11,993rd of 19,457 US places.
• Growth rank: Lott's 2020-to-2023 change ranks 529th of 1,224 places in Texas.
• Versus Texas: the state average change is +6.5%, while Lott moved 3.6%.
• Density in Texas: Lott ranks 754th by people per square mile.
• Density vs Texas: Lott's 661 people per square mile compare with a state median of 840.
• Location: the Census Gazetteer records it at 31.2063, -97.0336.
• Nearest larger cities: Rosebud (10 mi); Marlin (11 mi); Golinda (11 mi); Bruceville-Eddy (15 mi); Troy (16 mi). Living near a larger metro rarely changes what is available in Lott.
• Smaller communities within reach: Hallsburg (23 mi); Buckholts (24 mi); Kosse (25 mi).
• Within a 50-mile radius: 16 smaller Census places.
• At 100 miles: 184 larger Census places fall inside that radius.

What to do before borrowing in Lott

For Lott's roughly 668 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Lott and the rest of Texas is not the process but the borrower's own file, among the 668 people here.

Borrowing reach in Lott

At roughly 661 people per square mile, Lott is moderately settled; 49 larger places lie within 50 miles. Whether Lott has a local branch or not, a Texas-licensed lender can serve its 668 people online on the same terms. The nearest larger city, Rosebud, TX about 10 miles away.

How Texas law applies in Lott

Below are the Texas rules that apply to a loan made in Lott, each with the regulator that issued it.

Where Lott sits in Texas

Set beside Texas's 1,224 places, Lott ranks 917th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 529th of 1,224 Texas places, putting it near the 57th percentile for growth. By density, at about 661 people per square mile, it ranks 754th in Texas. By land area, its 1.0 square miles rank 1,010th of 1,224 places in Texas.

Lott: area, density and distance

Inside Lott's boundaries lie roughly 1.0 square miles of land and 0.01 square miles of water. That land carries about 661 people per square mile. The largest place in Texas, Houston, lies about 139 miles away. Within 50 miles of Lott there are 49 larger Census places. Within the same 50 miles lie 16 smaller Census places.