Personal loans in Retreat, TX

Decide the purpose of the loan and your repayment plan before sharing any details with a Retreat lender. Lenders active in Retreat report to a Texas supervisor, identified in the sourced rows below. From the 2020 Census base to the 2023 estimate, the population rose by about 5.1%. Borrowers who want a bigger city can look to Corsicana, TX about 2 miles away.

What the Census records for Retreat

Here is the sourced Census picture for Retreat, plus the Texas lending rules that apply to a loan taken out here.

• Population: the Census counts 431 residents in Retreat (Vintage 2023 subcounty estimate), the 1,018th-largest figure among Texas's 1,224 places.
• Population trend: Roughly 5.1% more residents than the 2020 Census counted.
• Net change: roughly 21 more people than the 2020 Census counted.
• Size percentile: with 431 residents, Retreat is larger than about 17% of Texas's Census places.
• Population density: about 86 people per square mile (Census land area 5.0 sq mi).
• By land area: Retreat ranks 368th among Texas's 1,224 places, at 5.0 sq mi.
• Water area rank: Retreat ranks 411th among Texas's 1,224 places, with 0.03 sq mi.
• Share of Texas: Retreat holds about 0.0% of the state's population, some 431 people.
• Nationally: Retreat is the 13,780th-largest of 19,457 Census places in the dataset.
• Growth in Texas: Retreat stands 429th by percentage change from 2020 to 2023, among 1,224 places.
• Against the state trend: Retreat's 5.1% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Retreat is the 1,198th most densely settled place in Texas.
• Against the state median: Retreat runs about 86 residents per square mile, where the Texas median is 840.
• Location: mapped by the US Census Bureau at 32.0484, -96.4769.
• Nearest larger cities: Corsicana (2 mi); Angus (4 mi); Mildred (9 mi); Rice (13 mi); Blooming Grove (14 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities close by: Oak Valley (3 mi); Navarro (6 mi); Richland (9 mi), each with its own Census population profile.
• Smaller places within 50 miles: 30 of them.
• Larger places within 100 miles: 325.

Retreat in state context

Retreat is the 1,018th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 429th of 1,224 Texas places, putting it near the 65th percentile for growth. At about 86 people per square mile, Retreat is the 1,198th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 21 residents.

What Texas law requires in Retreat

These are Texas's sourced lending facts as they reach Retreat's 431 residents; the state has no city-level rate rule.

The anatomy of a Retreat personal loan

Retreat is a small community of about 431 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Retreat's rank of 1,018th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Retreat loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What to do before borrowing in Retreat

Before you apply in Retreat, a community of about 431, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
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. Check the Texas regulator's records to confirm the lender is licensed here.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

In Retreat as elsewhere in Texas, the written terms — not the advertisement — are what count for its 431 residents.

Retreat on the map

The Census Gazetteer records 5.0 square miles of land and 0.03 square miles of water within Retreat. With 431 residents, the land area yields roughly 86 people per square mile. The state's population centre of gravity, Houston, is roughly 169 miles away. A 50-mile radius around Retreat takes in 75 places that are larger. Within the same 50 miles lie 30 smaller Census places.