Personal loans in Point, TX

The first question in Point is not the rate on offer but whether the payment fits; about 782 people live here under Texas lending law. Read the disclosure for an origination fee and any prepayment penalty before signing in Point. Which products a lender may offer to Point's 782 residents follows from the Texas consumer-lending framework. The closest larger place is East Tawakoni, TX about 5 miles away.

What the Census records for Point

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

• Population: 782 — Point ranks 875th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: Growth of about 5.2% across the 2020-to-2023 comparison.
• People gained or lost: about 39 more since the 2020 base.
• Size percentile: with 782 residents, Point is larger than about 29% of Texas's Census places.
• Density: the Census land area of 2.8 sq mi holds about 284 people per square mile.
• By land area: Point ranks 551st among Texas's 1,224 places, at 2.8 sq mi.
• Water area rank: Point ranks 389th among Texas's 1,224 places, with 0.03 sq mi.
• State population share: Point accounts for about 0.0% of everyone in Texas.
• Nationally: Point is the 11,294th-largest of 19,457 Census places in the dataset.
• Growth rank: Point's 2020-to-2023 change ranks 423rd of 1,224 places in Texas.
• Versus Texas: the state average change is +6.5%, while Point moved 5.2%.
• Density rank: Point places 1,047th among Texas's places by people per square mile.
• Density in context: Point's 284 people per square mile sit against a Texas median of 840.
• Location: latitude 32.9371, longitude -95.8634 (Census Gazetteer).
• Nearest larger cities: East Tawakoni (5 mi); Emory (7 mi); West Tawakoni (10 mi); Quinlan (16 mi); Edgewood (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Lone Oak (6 mi); Hawk Cove (13 mi); Cumby (14 mi).
• Smaller places within 50 miles: 29 of them.
• Larger places within 100 miles: 279.

The state rulebook for Point

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Point lender must follow.

What shapes a Point personal loan

In Point, a small community of about 782, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Point can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Point loan is knowable in advance — unlike a revolving card balance.

Steps to take before a Point loan

Complete these steps first when you borrow in Point (782 residents):

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the lender holds a Texas licence by checking the regulator named above.
5. Make sure the new payment leaves room in a budget you already keep.
6. Pick the shortest term whose payment you can comfortably afford.
7. Keep the amount to the expense; an approval is not a reason to take more.

The process is identical across Texas; what changes is your credit file, not the fact that Point holds 782 people.

What is available to Point borrowers

With about 284 residents per square mile, Point is lightly settled, and 77 larger Census places sit within 50 miles. A Texas licence lets a lender serve Point without a local office, so branch density does not change what its 782 residents are offered. The nearest larger city, East Tawakoni, TX about 5 miles away.

The geography behind Point

The Census Gazetteer records 2.8 square miles of land and 0.03 square miles of water within Point. The resulting density is about 284 people per square mile. Houston, the largest place in Texas, is about 220 miles from Point. Within 50 miles of Point there are 77 larger Census places. Within the same 50 miles lie 29 smaller Census places.