Personal loans in Mart, TX

Rate ceilings, licensing requirements and product limits for Mart are all set at the Texas level. A personal loan in Mart is priced from your credit file and income, not from the fact that the city holds 1,849 people.

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.

The Census estimates 1,849 residents in Mart, which ranks it 631st of 1,224 places in Texas. Census figures put the 2020-to-2023 increase in Mart at about 3.9%. For a community of about 1,849, the practical step is to compare APR across at least three lenders before committing. The next larger city is Bellmead, TX about 16 miles away.

Mart: the sourced local profile

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

The state rulebook for Mart

This table holds the Texas rate and licensing rules for consumer loans made to Mart's 1,849 residents.

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
Small-loan / installment lender licensingLicense required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051)
Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.		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

The geography behind Mart

Mart covers about 1.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,343 people per square mile. The largest place in Texas, Houston, lies about 149 miles away. Mart has 26 larger places within a 50-mile radius. By land area it ranks 896th of 1,224 Texas places.

What a Mart borrower is actually offered

Mart is a small community of about 1,849 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Mart's 1,849 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Mart loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Mart

At roughly 1,343 people per square mile, Mart is moderately settled; 26 larger places lie within 50 miles. What is available to Mart's 1,849 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Bellmead, TX about 16 miles away.

How Mart compares across Texas

Against Texas's other places, Mart accounts for about 0.0% of the state's population and ranks 631st of 1,224 by size. Its 2020-to-2023 change ranks 512th of 1,224 Texas places, putting it near the 58th percentile for growth. Its roughly 1,343 residents per square mile place it 334th among Texas's places. In land area, Mart ranks 896th among Texas's 1,224 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 Mart 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 Mart is the same as anywhere in Texas.
What loan size can I expect in Mart?
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 Mart?
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 Mart 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.

Nearby places

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