Personal loans in Matador, TX
Matador counts about 546 people, and what is genuinely local about borrowing here is limited — Texas law does the governing. Matador lost roughly 3.7% of its population across the 2020-to-2023 comparison.
With an estimated 546 residents, Matador is the 956th-largest of 1,224 places in Texas. Price two or three terms so you can see which payment is truly affordable in Matador. Rate ceilings, licensing requirements and product limits for Matador are all set at the Texas level. The nearest larger metro is Floydada, TX about 30 miles away.
Matador: the sourced local profile
Most of what governs a Matador loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 546 residents, 956th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is negative, near 3.7%.
- People gained or lost: about 21 fewer since the 2020 base.
- Size percentile: with 546 residents, Matador is larger than about 22% of Texas's Census places.
- Population density: about 419 people per square mile (Census land area 1.3 sq mi).
- Land area rank: Matador's 1.3 square miles rank 914th of 1,224 places in Texas.
- Within Texas: about 0.0% of the state's population lives in Matador.
- National rank: Matador is the 12,800th most populous of the 19,457 Census places covered here.
- Growth rank: Matador ranks 1,144th among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Matador moved 3.7%.
- Density in Texas: Matador ranks 949th by people per square mile.
- Against the state median: Matador runs about 419 residents per square mile, where the Texas median is 840.
- Location: it lies at 34.0151, -100.8211 in the Census Gazetteer.
- Nearest larger cities: Floydada (30 mi); Paducah (30 mi); Crosbyton (35 mi); Lockney (36 mi); Spur (37 mi). Online lenders reach Matador no matter how far the nearest branch is.
- Smaller places close by: Roaring Springs (8 mi); Turkey (27 mi); Dickens (27 mi).
- Smaller neighbours: 6 places smaller than Matador sit within 50 miles.
- Within 100 miles: 66 places are larger than Matador.
The anatomy of a Matador personal loan
In Matador, a small community of about 546, 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 Matador lender to disclose the APR and finance charge before you sign. The term you choose in Matador decides the split between a comfortable payment and the total interest you pay.
Land, water and location for Matador
Matador covers about 1.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 546 residents, the land area yields roughly 419 people per square mile. The state's population centre of gravity, Houston, is roughly 432 miles away. Within 50 miles of Matador there are 10 larger Census places. By land area it ranks 914th of 1,224 Texas places.
Texas rules behind a Matador personal loan
Below are the Texas rules that apply to a loan made in Matador, each with the regulator that issued it.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 licensing | License 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 |
Matador's place among Texas's 1,224 places
Set beside Texas's 1,224 places, Matador ranks 956th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Matador ranks 1,144th of 1,224 in Texas (about the 7th percentile). By density, at about 419 people per square mile, it ranks 949th in Texas. By land area, its 1.3 square miles rank 914th of 1,224 places in Texas.
What is available to Matador borrowers
Matador is a lightly settled community of about 546 people, with 10 larger places inside a 50-mile radius. Lenders licensed in Texas reach Matador's 546 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Floydada, TX about 30 miles away.
Common questions
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Nearby places
- Roaring Springs, TX — population 205
- Turkey, TX — population 325
- Dickens, TX — population 208
- Quitaque, TX — population 347
- Floydada, TX — population 2,519
- Paducah, TX — population 990
- Spur, TX — population 830
- Crosbyton, TX — population 1,434