Personal loans in Meadow, TX

Meadow, Texas — home to about 613 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. Lenders active in Meadow report to a Texas supervisor, identified in the sourced rows below.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

About 613 people live in Meadow, placing it 934th of 1,224 Census places in Texas. Begin with the payment, then weigh APR and total interest across the lenders that reach Meadow's 613 residents. Census figures put the 2020-to-2023 increase in Meadow at about 2.2%. The nearest larger metro is Brownfield, TX about 12 miles away.

Meadow: the sourced local profile

The figures below are Meadow's own — Census population, land area and coordinates — followed by the Texas rules.

How lenders reach Meadow

Meadow is lightly settled, with about 381 people per square mile and 24 larger places within 50 miles. Distance to a branch rarely matters for Meadow's 613 residents: the application is online and the price follows your credit file. The nearest bigger place is Brownfield, TX about 12 miles away.

Meadow's place among Texas's 1,224 places

Within Texas, Meadow holds roughly 0.0% of all residents, the 934th-largest share among 1,224 places. On the 2020-to-2023 trend, Meadow stands 626th among Texas's 1,224 places — roughly the 49th percentile. By density, at about 381 people per square mile, it ranks 979th in Texas. In land area, Meadow ranks 823rd among Texas's 1,224 places.

The state rulebook for Meadow

Texas has no separate rate rule for Meadow; the sourced rows below are what reach every lender that serves its 613 people.

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

What shapes a Meadow personal loan

A Meadow personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 613 residents. Federal Truth in Lending rules require a Meadow lender to disclose the APR and finance charge before you sign. The term you choose in Meadow decides the split between a comfortable payment and the total interest you pay.

Before you apply in Meadow

Complete these steps first when you borrow in Meadow (613 residents):

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  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. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

In Meadow as elsewhere in Texas, the written terms — not the advertisement — are what count for its 613 residents.

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