Personal loans in Nevada, TX
Nevada is a small community of about 1,419 residents, and a personal loan taken out here is governed by Texas statute. Nevada ranks 703rd of 1,224 places in Texas, with a population near 1,419.
For a bigger market, look to Josephine, TX about 4 miles away. Nevada gained roughly 8.7% in population across the 2020-to-2023 comparison. For the 1,419 people in Nevada, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Verify the lender's Texas licence against the regulator named below before borrowing in Nevada.
What the Census records for Nevada
Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.
- Population: 1,419 — Nevada ranks 703rd of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: Roughly 8.7% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 113 residents.
- Size percentile: bigger than about 43% of the places in Texas, with 1,419 residents in Nevada.
- Population density: about 594 people per square mile (Census land area 2.4 sq mi).
- By land area: Nevada ranks 612th among Texas's 1,224 places, at 2.4 sq mi.
- Water: Nevada holds about 0.01 square miles, the 537th-largest water area in Texas.
- Share of Texas: Nevada holds about 0.0% of the state's population, some 1,419 people.
- National rank: Nevada is the 8,900th most populous of the 19,457 Census places covered here.
- Growth rank: Nevada's 2020-to-2023 change ranks 272nd of 1,224 places in Texas.
- Against the state trend: Nevada's 8.7% change compares with a Texas average of +6.5% across its 1,224 places.
- Density in Texas: Nevada ranks 816th by people per square mile.
- Density in context: Nevada's 594 people per square mile sit against a Texas median of 840.
- Location: mapped by the US Census Bureau at 33.0353, -96.3706.
- Nearest larger cities: Josephine (4 mi); Lavon (4 mi); Royse City (5 mi); Fate (6 mi); Farmersville (9 mi). Living near a larger metro rarely changes what is available in Nevada.
- Nearest smaller places: Mobile City (8 mi); Union Valley (10 mi); St. Paul (11 mi).
- Smaller neighbours: 45 places smaller than Nevada sit within 50 miles.
- Larger places within 100 miles: 236.
Where Nevada sits
The Census Gazetteer records 2.4 square miles of land and 0.01 square miles of water within Nevada. The resulting density is about 594 people per square mile. For the state's biggest city, Houston, the distance is roughly 232 miles. A 50-mile radius around Nevada takes in 116 places that are larger. Within the same 50 miles lie 45 smaller Census places.
Steps to take before a Nevada loan
These steps shape the offer you get in Nevada, a place of about 1,419 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Check the Texas regulator's records to confirm the lender is licensed here.
- Decide the purpose and how you will repay it before approaching any lender.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Check the disclosure for fees that raise the true cost above the quoted rate.
In Nevada as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,419 residents.
Nevada against the rest of Texas
Set beside Texas's 1,224 places, Nevada ranks 703rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Nevada stands 272nd among Texas's 1,224 places — roughly the 78th percentile. By density, at about 594 people per square mile, it ranks 816th in Texas. By land area, its 2.4 square miles rank 612th of 1,224 places in Texas.
The anatomy of a Nevada personal loan
Most loans made to Nevada's 1,419 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Nevada's 1,419 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Nevada loan is knowable in advance — unlike a revolving card balance.
The state rulebook for Nevada
When Texas does not publish a figure, the row links to the source instead of inventing a number; Nevada is bound by the same rules.
| 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 |
Common questions
What are my options in Nevada if my credit is poor?
What loan size can I expect in Nevada?
Do I have to pledge anything to borrow in Nevada?
Does comparing loans in Nevada cost me credit score points?
Nearby places
- Josephine, TX — population 7,113
- Lavon, TX — population 7,495
- Royse City, TX — population 24,138
- Fate, TX — population 24,626
- Mobile City, TX — population 161
- Farmersville, TX — population 4,175
- Rockwall, TX — population 52,918
- Caddo Mills, TX — population 4,183