Personal loans in Red Oak, TX

Red Oak: population, trend and location

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

• Population: an estimated 18,624 residents, 162nd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 31.0% more residents than the 2020 Census counted.
• People gained or lost: about 4,403 more since the 2020 base.
• Size percentile: Red Oak's 18,624 people outrank roughly 87% of the places in Texas.
• Land and density: 16.2 square miles of land carry roughly 1,147 residents per square mile.
• Land area: Red Oak covers 16.2 square miles, the 141st-largest area among Texas's 1,224 places.
• State population share: Red Oak accounts for about 0.1% of everyone in Texas.
• Nationally: Red Oak is the 2,005th-largest of 19,457 Census places in the dataset.
• Growth rank: Red Oak ranks 45th among Texas's 1,224 places for the 2020-to-2023 change.
• Against the state trend: Red Oak's 31.0% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Red Oak is the 422nd most densely settled place in Texas.
• Against the state median: Red Oak runs about 1,147 residents per square mile, where the Texas median is 840.
• Location: 32.5096, -96.7840 (US Census Bureau Gazetteer).
• Nearest larger cities: Glenn Heights (5 mi); Lancaster (6 mi); DeSoto (8 mi); Waxahachie (8 mi); Cedar Hill (11 mi). Lenders licensed in the state serve Red Oak whether or not they keep a local branch.
• Nearest smaller places: Pecan Hill (1 mi); Oak Leaf (4 mi); Ovilla (6 mi).
• Within a 50-mile radius: 130 smaller Census places.
• Within 100 miles: 71 places are larger than Red Oak.

Borrowing reach in Red Oak

Red Oak is moderately settled, with about 1,147 people per square mile and 58 larger places within 50 miles. A Texas licence lets a lender serve Red Oak without a local office, so branch density does not change what its 18,624 residents are offered. The nearest bigger place is Glenn Heights, TX about 5 miles away.

A practical checklist for Red Oak borrowers

A sensible order of operations for a loan in Red Oak, home to about 18,624 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Look the lender up in the Texas regulator's licence records before you sign.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Be clear on what the loan is for and how it gets repaid.

None of these steps is Red Oak-specific: the same Texas licensing and disclosure rules reach all 18,624 residents.

How Red Oak compares across Texas

Among Texas's 1,224 places, Red Oak sits at 162nd for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Red Oak stands 45th among Texas's 1,224 places — roughly the 96th percentile. Its roughly 1,147 residents per square mile place it 422nd among Texas's places. The population moved by about 4,403 people between 2020 and 2023, a 31.0% shift.

Land, water and location for Red Oak

Red Oak covers about 16.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,147 people per square mile. For the state's biggest city, Houston, the distance is roughly 205 miles. Red Oak has 58 larger places within a 50-mile radius. The 100-mile radius contains 71 larger places.

The Texas lending rules that reach Red Oak

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