Personal loans in Mexia, TX
Mexia is a small town of about 6,859 residents, and a personal loan taken out here is governed by Texas statute.
To lend to Mexia's 6,859 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. Mexia is home to roughly 6,859 people and stands 312th by size out of 1,224 Census places in Texas. Rate-shopping from Mexia costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Population in Mexia dropped about 0.6% over the three years from 2020 to 2023. For a bigger market, look to Corsicana, TX about 28 miles away.
Mexia by the numbers
Two layers matter for a Mexia borrower: the local population picture and Texas's consumer-lending statutes.
- Population: 6,859 — Mexia ranks 312th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: About 0.6% below the 2020 Census base.
- Net change: roughly 39 fewer people than the 2020 Census counted.
- Size percentile: with 6,859 residents, Mexia is larger than about 75% of Texas's Census places.
- Population density: 953 people per square mile on 7.2 square miles of land.
- By land area: Mexia ranks 283rd among Texas's 1,224 places, at 7.2 sq mi.
- Water area: Mexia has 0.10 square miles of water, ranking 225th of 1,224 places in Texas.
- State population share: Mexia accounts for about 0.0% of everyone in Texas.
- National standing: Mexia ranks 4,038th of 19,457 US places.
- Growth in Texas: Mexia stands 926th by percentage change from 2020 to 2023, among 1,224 places.
- Against the state trend: Mexia's 0.6% change compares with a Texas average of +6.5% across its 1,224 places.
- Density in Texas: Mexia ranks 539th by people per square mile.
- Density vs Texas: Mexia's 953 people per square mile compare with a state median of 840.
- Location: mapped by the US Census Bureau at 31.6807, -96.4832.
- Nearest larger cities: Corsicana (28 mi); Bellmead (36 mi); Lacy-Lakeview (37 mi); Robinson (41 mi); Waco (42 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Tehuacana (5 mi); Wortham (8 mi); Kirvin (11 mi).
- Within a 50-mile radius: 72 smaller Census places.
- Larger places within 100 miles: 95.
Lender access in Mexia
At roughly 953 people per square mile, Mexia is moderately settled; 10 larger places lie within 50 miles. Lenders licensed in Texas reach Mexia's 6,859 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Corsicana, TX about 28 miles away.
What Texas law requires in Mexia
Texas has no separate rate rule for Mexia; the sourced rows below are what reach every lender that serves its 6,859 people.
| 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 |
| 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 status | Legal 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 |
A practical checklist for Mexia borrowers
Complete these steps first when you borrow in Mexia (6,859 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Texas licence with the regulator listed on this page.
- Weigh a shorter term's higher payment against the interest it saves.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Decide the purpose and how you will repay it before approaching any lender.
The process is identical across Texas; what changes is your credit file, not the fact that Mexia holds 6,859 people.
Mexia's place among Texas's 1,224 places
Set beside Texas's 1,224 places, Mexia ranks 312th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Mexia ranks 926th of 1,224 in Texas (about the 24th percentile). At about 953 people per square mile, Mexia is the 539th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 39 residents.
Land, water and location for Mexia
Inside Mexia's boundaries lie roughly 7.2 square miles of land and 0.10 square miles of water. Spread across it are roughly 953 residents per square mile. The largest place in Texas, Houston, lies about 146 miles away. Mexia has 10 larger places within a 50-mile radius. By land area it ranks 283rd of 1,224 Texas places.
Common questions
What are my options in Mexia if my credit is poor?
What loan size can I expect in Mexia?
Do I have to pledge anything to borrow in Mexia?
Does comparing loans in Mexia cost me credit score points?
Nearby places
- Tehuacana, TX — population 229
- Wortham, TX — population 1,027
- Groesbeck, TX — population 3,610
- Kirvin, TX — population 107
- Coolidge, TX — population 786
- Teague, TX — population 3,536
- Richland, TX — population 273
- Streetman, TX — population 267