Personal loans in Malone, TX

The Malone data picture

Most of what governs a Malone loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

• Population: an estimated 248 residents, 1,124th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 4.6% between 2020 and 2023.
• Net change: roughly 11 more people than the 2020 Census counted.
• Size percentile: Malone's 248 people outrank roughly 8% of the places in Texas.
• Density: the Census land area of 0.5 sq mi holds about 543 people per square mile.
• Land area: Malone covers 0.5 square miles, the 1,163rd-largest area among Texas's 1,224 places.
• Share of state population: Malone's 248 residents are about 0.0% of Texas.
• Nationally: Malone is the 15,789th-largest of 19,457 Census places in the dataset.
• Growth rank: Malone ranks 453rd among Texas's 1,224 places for the 2020-to-2023 change.
• Versus Texas: the state average change is +6.5%, while Malone moved 4.6%.
• Density in Texas: Malone ranks 852nd by people per square mile.
• Against the state median: Malone runs about 543 residents per square mile, where the Texas median is 840.
• Location: 31.9173, -96.8947 (US Census Bureau Gazetteer).
• Nearest larger cities: Hubbard (7 mi); Dawson (11 mi); Abbott (11 mi); Mount Calm (11 mi); Frost (12 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Penelope (5 mi); Bynum (7 mi); Mertens (10 mi).
• Smaller places within 50 miles: 14 of them.
• Within 100 miles: 344 places are larger than Malone.

Before you apply in Malone

Before you apply in Malone, a community of about 248, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

In Malone as elsewhere in Texas, the written terms — not the advertisement — are what count for its 248 residents.

What shapes a Malone personal loan

With roughly 248 residents, Malone is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Malone's rank of 1,124th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Malone decides the split between a comfortable payment and the total interest you pay.

The Texas lending rules that reach Malone

Texas has no separate rate rule for Malone; the sourced rows below are what reach every lender that serves its 248 people.

Lender access in Malone

With about 543 residents per square mile, Malone is moderately settled, and 90 larger Census places sit within 50 miles. What is available to Malone's 248 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Hubbard, TX about 7 miles away.

How Malone compares across Texas

Set beside Texas's 1,224 places, Malone ranks 1,124th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Malone ranks 453rd of 1,224 in Texas (about the 63th percentile). Its roughly 543 residents per square mile place it 852nd among Texas's places. By land area, its 0.5 square miles rank 1,163rd of 1,224 places in Texas.