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.

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

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.

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.

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.

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

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.

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 Pecan Hill 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 Pecan Hill is the same as anywhere in Texas.
What loan size can I expect in Pecan Hill?
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 Pecan Hill?
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 Pecan Hill 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.

Nearby places

Related