Personal loans in Nome, TX

The 2020 count to the 2023 estimate shows about 1.3% decline in Nome. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Nome loan. Lenders active in Nome report to a Texas supervisor, identified in the sourced rows below. A larger market lies at China, TX about 5 miles away.

Borrowing in Nome: the local picture

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

• Population: 464 — Nome ranks 995th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: About 1.3% below the 2020 Census base.
• Absolute change: 6 residents lost between 2020 and 2023.
• Size percentile: about 19% of Texas's Census places are smaller than Nome.
• Density: roughly 398 residents per square mile, spread over 1.2 sq mi of land.
• Land area: Nome covers 1.2 square miles, the 952nd-largest area among Texas's 1,224 places.
• Share of Texas: Nome holds about 0.0% of the state's population, some 464 people.
• National rank: Nome is 13,477th of 19,457 places nationwide.
• Growth rank: Nome's 2020-to-2023 change ranks 991st of 1,224 places in Texas.
• Versus Texas: the state average change is +6.5%, while Nome moved 1.3%.
• Density rank: Nome is the 960th most densely settled place in Texas.
• Density vs Texas: Nome's 398 people per square mile compare with a state median of 840.
• Location: mapped by the US Census Bureau at 30.0323, -94.4205.
• Nearest larger cities: China (5 mi); Sour Lake (7 mi); Bevil Oaks (12 mi); Daisetta (14 mi); Beaumont (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Devers (10 mi); Rose Hill Acres (18 mi); Taylor Landing (21 mi) — useful context for the surrounding area.
• Smaller neighbours: 7 places smaller than Nome sit within 50 miles.
• At 100 miles: 162 larger Census places fall inside that radius.

What a Nome borrower is actually offered

With roughly 464 residents, Nome is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Nome. A longer term lowers the monthly payment on a Nome loan but raises total interest, so the smallest payment is not the cheapest loan.

The Nome borrowing checklist

Before you hand your details to a lender in Nome, where the population is near 464:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Make sure the lender appears in the Texas regulator's licence list.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Be clear on what the loan is for and how it gets repaid.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Nome-specific: the same Texas licensing and disclosure rules reach all 464 residents.

Nome: area, density and distance

Nome's land area is roughly 1.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 398 residents per square mile. The largest place in Texas, Houston, lies about 60 miles away. Counting outward 50 miles, 44 larger communities surround Nome. Within the same 50 miles lie 7 smaller Census places.

Which Texas laws govern a loan in Nome

This table holds the Texas rate and licensing rules for consumer loans made to Nome's 464 residents.

Getting a loan in Nome

With about 398 residents per square mile, Nome is lightly settled, and 44 larger Census places sit within 50 miles. Lenders licensed in Texas reach Nome's 464 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is China, TX about 5 miles away.