Personal loans in Patton Village, TX

The Census estimates 1,888 residents in Patton Village, which ranks it 619th of 1,224 places in Texas. In Patton Village, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The trend for Patton Village between 2020 and 2023 is upward by roughly 14.4%. Read the disclosure for an origination fee and any prepayment penalty before signing in Patton Village. State law, not city hall, decides what a lender may do to Patton Village's roughly 1,888 residents, and a state regulator supervises it. The nearest larger metro is Roman Forest, TX about 1 miles away.

What the Census records for Patton Village

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

Texas rules behind a Patton Village personal loan

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

RuleDetailSource
State lending regulatorTexas 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
Small-loan / installment lender licensingLicense required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051)
Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.		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

The anatomy of a Patton Village personal loan

Most loans made to Patton Village's 1,888 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Patton Village's 1,888 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Patton Village loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A pre-application checklist for Patton Village

For Patton Village's roughly 1,888 residents, these are the steps that most influence the offer:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Patton Village-specific: the same Texas licensing and disclosure rules reach all 1,888 residents.

Where Patton Village sits in Texas

Against Texas's other places, Patton Village accounts for about 0.0% of the state's population and ranks 619th of 1,224 by size. On the 2020-to-2023 trend, Patton Village stands 147th among Texas's 1,224 places — roughly the 88th percentile. Its roughly 831 residents per square mile place it 621st among Texas's places. Within 50 miles sit 30 smaller Census places, alongside the 52 that are larger.

Borrowing reach in Patton Village

With about 831 residents per square mile, Patton Village is moderately settled, and 52 larger Census places sit within 50 miles. Distance to a branch rarely matters for Patton Village's 1,888 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Roman Forest, TX about 1 miles away.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Patton Village if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Patton Village is the same as anywhere in Texas.
What loan size can I expect in Patton Village?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Patton Village?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Patton Village cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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