Personal loans in Oak Ridge, TX

Oak Ridge is a small community of about 273 residents, and a personal loan taken out here is governed by Texas statute. Read the disclosure for an origination fee and any prepayment penalty before signing in Oak Ridge. To lend to Oak Ridge's 273 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. Borrowers who want a bigger city can look to Callisburg, TX about 4 miles away.

The Oak Ridge data picture

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

• Population: about 273, ranked 1,108th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 14.7% between 2020 and 2023.
• People gained or lost: about 35 more since the 2020 base.
• Size percentile: Oak Ridge sits ahead of around 9% of Texas places, at 273 people.
• Land and density: 0.1 square miles of land carry roughly 2,416 residents per square mile.
• Land area rank: Oak Ridge's 0.1 square miles rank 1,220th of 1,224 places in Texas.
• Share of state population: Oak Ridge's 273 residents are about 0.0% of Texas.
• National rank: Oak Ridge sits 15,442nd by population among the 19,457 places in this dataset.
• Growth rank: Oak Ridge's 2020-to-2023 change ranks 142nd of 1,224 places in Texas.
• Against the state trend: Oak Ridge's 14.7% change compares with a Texas average of +6.5% across its 1,224 places.
• Density in Texas: Oak Ridge ranks 126th by people per square mile.
• Density in context: Oak Ridge's 2,416 people per square mile sit against a Texas median of 840.
• Location: coordinates 33.6481, -97.0385 (US Census Bureau Gazetteer).
• Nearest larger cities: Callisburg (4 mi); Gainesville (6 mi); Whitesboro (8 mi); Collinsville (10 mi); Lindsay (10 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities close by: Dorchester (22 mi); Leon (27 mi); Hendrix (37 mi), each with its own Census population profile.
• Smaller neighbours: 12 places smaller than Oak Ridge sit within 50 miles.
• At 100 miles: 340 larger Census places fall inside that radius.

What to do before borrowing in Oak Ridge

A sensible order of operations for a loan in Oak Ridge, home to about 273 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Texas regulator's licence records before you sign.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Oak Ridge-specific: the same Texas licensing and disclosure rules reach all 273 residents.

Inside a Oak Ridge personal loan

Most loans made to Oak Ridge's 273 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Oak Ridge. Because the payment is fixed, the total cost of a Oak Ridge loan is knowable in advance — unlike a revolving card balance.

The geography behind Oak Ridge

Oak Ridge covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 2,416 people per square mile. Houston, the largest place in Texas, is about 284 miles from Oak Ridge. A 50-mile radius around Oak Ridge takes in 107 places that are larger. By land area it ranks 1,220th of 1,224 Texas places.

Texas consumer-lending rules applied in Oak Ridge

When Texas does not publish a figure, the row links to the source instead of inventing a number; Oak Ridge is bound by the same rules.

Where Oak Ridge sits in Texas

Within Texas, Oak Ridge holds roughly 0.0% of all residents, the 1,108th-largest share among 1,224 places. For population change between 2020 and 2023, Oak Ridge ranks 142nd of 1,224 in Texas (about the 88th percentile). At about 2,416 people per square mile, Oak Ridge is the 126th most densely settled place in Texas. In land area, Oak Ridge ranks 1,220th among Texas's 1,224 places.