Personal loans in Nederland, TX

Nederland, Texas — home to about 18,118 people — is a small town, so the terms you are offered follow Texas law rather than any local rule. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Nederland as from the rest of the state. Decide the purpose of the loan and your repayment plan before sharing any details with a Nederland lender. A larger market lies at Port Arthur, TX about 8 miles away.

What the Census records for Nederland

Here is the sourced Census picture for Nederland, plus the Texas lending rules that apply to a loan taken out here.

• Population: the Census counts 18,118 residents in Nederland (Vintage 2023 subcounty estimate), the 163rd-largest figure among Texas's 1,224 places.
• Population trend: Down about 4.0% from the 2020 Census base to the 2023 estimate.
• Absolute change: 747 residents lost between 2020 and 2023.
• Size percentile: roughly 87% of Texas places rank below Nederland.
• Population density: about 3,197 people per square mile across 5.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Nederland covers 5.7 square miles, the 334th-largest area among Texas's 1,224 places.
• Water: Nederland holds about 0.12 square miles, the 206th-largest water area in Texas.
• State population share: Nederland accounts for about 0.1% of everyone in Texas.
• National rank: Nederland sits 2,048th by population among the 19,457 places in this dataset.
• Growth rank: Nederland's 2020-to-2023 change ranks 1,157th of 1,224 places in Texas.
• Versus Texas: the state average change is +6.5%, while Nederland moved 4.0%.
• Density in Texas: Nederland ranks 69th by people per square mile.
• Density vs Texas: Nederland's 3,197 people per square mile compare with a state median of 840.
• Location: 29.9693, -94.0017 (US Census Bureau Gazetteer).
• Nearest larger cities: Port Arthur (8 mi); Beaumont (12 mi); Orange (18 mi); Sulphur (43 mi); Lake Charles (50 mi). Online lenders reach Nederland no matter how far the nearest branch is.
• Smaller places nearby: Port Neches (2 mi); Groves (5 mi); Rose City (10 mi).
• Smaller places within 50 miles: 29 of them.
• Larger places within 100 miles: 20.

What a Nederland borrower is actually offered

In Nederland, a small town of about 18,118, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Nederland. A longer term lowers the monthly payment on a Nederland loan but raises total interest, so the smallest payment is not the cheapest loan.

Nederland against the rest of Texas

Within Texas, Nederland holds roughly 0.1% of all residents, the 163rd-largest share among 1,224 places. For population change between 2020 and 2023, Nederland ranks 1,157th of 1,224 in Texas (about the 5th percentile). By density, at about 3,197 people per square mile, it ranks 69th in Texas. The population moved by about 747 people between 2020 and 2023, a 4.0% shift.

Which Texas laws govern a loan in Nederland

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Nederland lender must follow.

Where Nederland sits

Inside Nederland's boundaries lie roughly 5.7 square miles of land and 0.12 square miles of water. With 18,118 residents, the land area yields roughly 3,197 people per square mile. The largest place in Texas, Houston, lies about 84 miles away. A 50-mile radius around Nederland takes in 5 places that are larger. The 100-mile radius contains 20 larger places.

A practical checklist for Nederland borrowers

Before you apply in Nederland, a community of about 18,118, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the Texas licence with the regulator named above before committing.
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.

None of these steps is Nederland-specific: the same Texas licensing and disclosure rules reach all 18,118 residents.