Personal loans in Ranger, TX

A personal loan in Ranger is priced from your credit file and income, not from the fact that the city holds 2,282 people. With an estimated 2,282 residents, Ranger is the 566th-largest of 1,224 places in Texas.

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 2020 count to the 2023 estimate shows about 0.7% decline in Ranger. If debt is already a strain, a nonprofit credit counsellor can help Ranger residents before they take on more. The nearest larger city is Eastland, TX about 9 miles away. Rate ceilings, licensing requirements and product limits for Ranger are all set at the Texas level.

The Ranger data picture

Most of what governs a Ranger loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

How lenders reach Ranger

Ranger is lightly settled, with about 326 people per square mile and 10 larger places within 50 miles. A Texas licence lets a lender serve Ranger without a local office, so branch density does not change what its 2,282 residents are offered. For a larger market, the closest option is Eastland, TX about 9 miles away.

Where Ranger sits

Inside Ranger's boundaries lie roughly 7.0 square miles of land and 0.13 square miles of water. The resulting density is about 326 people per square mile. The state's population centre of gravity, Houston, is roughly 269 miles away. A 50-mile radius around Ranger takes in 10 places that are larger. The 100-mile radius contains 91 larger places.

How Ranger compares across Texas

Among Texas's 1,224 places, Ranger sits at 566th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Ranger stands 948th among Texas's 1,224 places — roughly the 23th percentile. Its roughly 326 residents per square mile place it 1,024th among Texas's places. Within 50 miles sit 20 smaller Census places, alongside the 10 that are larger.

How Texas law applies in Ranger

Below are the Texas rules that apply to a loan made in Ranger, each with the regulator that issued it.

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
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
Payday lending statusLegal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393)
Source says: the credit access business that serves as the broker is the licensee in this regulated industry		Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16

What a Ranger borrower is actually offered

In Ranger, a small community of about 2,282, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Ranger's rank of 566th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Ranger decides the split between a comfortable payment and the total interest you pay.

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

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