Personal loans in Pecan Hill, TX
Pecan Hill is home to roughly 742 people and stands 891st by size out of 1,224 Census places in Texas. Two households in Pecan Hill with comparable incomes can still be offered different rates; the city's 742 residents are not the reason.
Decide the purpose of the loan and your repayment plan before sharing any details with a Pecan Hill lender. A single loan can carry different costs on either side of a state line, and Pecan Hill sits on the Texas side of that line. From the 2020 Census base to the 2023 estimate, the population rose by about 1.6%. Borrowers who want a bigger city can look to Red Oak, TX about 1 miles away.
Pecan Hill by the numbers
Pecan Hill is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 742 people, a figure that places Pecan Hill 891st among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 1.6% between 2020 and 2023.
- People gained or lost: about 12 more since the 2020 base.
- Size percentile: about 27% of Texas's Census places are smaller than Pecan Hill.
- Density: the Census land area of 2.1 sq mi holds about 348 people per square mile.
- Land area rank: Pecan Hill's 2.1 square miles rank 652nd of 1,224 places in Texas.
- Within Texas: about 0.0% of the state's population lives in Pecan Hill.
- Nationally: Pecan Hill is the 11,514th-largest of 19,457 Census places in the dataset.
- Growth rank: Pecan Hill ranks 681st among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Pecan Hill moved 1.6%.
- Density rank: Pecan Hill is the 1,011th most densely settled place in Texas.
- Against the state median: Pecan Hill runs about 348 residents per square mile, where the Texas median is 840.
- Location: the Census Gazetteer records it at 32.4907, -96.7813.
- Nearest larger cities: Red Oak (1 mi); Oak Leaf (5 mi); Glenn Heights (6 mi); Ovilla (7 mi); Ferris (7 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Bardwell (16 mi); Rosser (19 mi); Alma (20 mi).
- Smaller places within 50 miles: 39 of them.
- Within 100 miles: 295 places are larger than Pecan Hill.
The Texas lending rules that reach Pecan Hill
The rows below set out what a licensed lender must follow in Texas, and so for Pecan Hill's roughly 742 residents.
| 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 |
| Small-loan / installment lender licensing | License 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 |
Where Pecan Hill sits in Texas
Against Texas's other places, Pecan Hill accounts for about 0.0% of the state's population and ranks 891st of 1,224 by size. Its 2020-to-2023 change ranks 681st of 1,224 Texas places, putting it near the 44th percentile for growth. By density, at about 348 people per square mile, it ranks 1,011th in Texas. In land area, Pecan Hill ranks 652nd among Texas's 1,224 places.
The anatomy of a Pecan Hill personal loan
In Pecan Hill, a small community of about 742, 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 Pecan Hill. Shortening the term on a Pecan Hill loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Pecan Hill sits
Pecan Hill's land area is roughly 2.1 square miles, and the Gazetteer records no significant water area within it. With 742 residents, the land area yields roughly 348 people per square mile. Houston, the largest place in Texas, is about 204 miles from Pecan Hill. Pecan Hill has 148 larger places within a 50-mile radius. By land area it ranks 652nd of 1,224 Texas places.
Getting a loan in Pecan Hill
At roughly 348 people per square mile, Pecan Hill is lightly settled; 148 larger places lie within 50 miles. Whether Pecan Hill has a local branch or not, a Texas-licensed lender can serve its 742 people online on the same terms. The nearest bigger place is Red Oak, TX about 1 miles away.
Common questions
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Nearby places
- Red Oak, TX — population 18,624
- Oak Leaf, TX — population 1,679
- Glenn Heights, TX — population 18,793
- Lancaster, TX — population 40,215
- Waxahachie, TX — population 47,201
- Ovilla, TX — population 4,709
- Ferris, TX — population 3,370
- Palmer, TX — population 2,555