Personal loans in Richardson, TX

Consumer lending that reaches Richardson's 117,435 residents is governed by Texas statute; no city ordinance changes it. An estimated 117,435 people make their home in Richardson, a figure that ranks 32nd in Texas. Use the calculator on this page to price an amount and term before you commit in Richardson. From the 2020 Census base to the 2023 estimate, the population declined by about 1.7%. The closest larger city is Plano, TX about 6 miles away.

The Richardson data picture

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

• Population: 117,435 — Richardson ranks 32nd of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 1.7%.
• Net change: roughly 2,029 fewer people than the 2020 Census counted.
• Size percentile: Richardson's 117,435 people outrank roughly 97% of the places in Texas.
• Population density: 4,112 people per square mile on 28.6 square miles of land.
• By land area: Richardson ranks 88th among Texas's 1,224 places, at 28.6 sq mi.
• Water: Richardson holds about 0.09 square miles, the 236th-largest water area in Texas.
• Share of state population: Richardson's 117,435 residents are about 0.5% of Texas.
• National rank: Richardson sits 242nd by population among the 19,457 places in this dataset.
• Growth in Texas: Richardson stands 1,026th by percentage change from 2020 to 2023, among 1,224 places.
• Versus Texas: the state average change is +6.5%, while Richardson moved 1.7%.
• Density rank: Richardson places 24th among Texas's places by people per square mile.
• Density in context: Richardson's 4,112 people per square mile sit against a Texas median of 840.
• Location: it lies at 32.9723, -96.7081 in the Census Gazetteer.
• Nearest larger cities: Plano (6 mi); Garland (6 mi); Carrollton (11 mi); Dallas (13 mi); Frisco (14 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities close by: Murphy (7 mi); Addison (7 mi); Sachse (7 mi), each with its own Census population profile.
• Smaller neighbours: 180 places smaller than Richardson sit within 50 miles.
• Within 100 miles: 13 places are larger than Richardson.

Richardson in state context

Richardson is the 32nd-largest of 1,224 Census places in Texas and contains about 0.5% of the state's people. On the 2020-to-2023 trend, Richardson stands 1,026th among Texas's 1,224 places — roughly the 16th percentile. At about 4,112 people per square mile, Richardson is the 24th most densely settled place in Texas. Within 50 miles sit 180 smaller Census places, alongside the 13 that are larger.

Which Texas laws govern a loan in Richardson

When Texas does not publish a figure, the row links to the source instead of inventing a number; Richardson is bound by the same rules.

What is available to Richardson borrowers

With about 4,112 residents per square mile, Richardson is fairly dense, and 13 larger Census places sit within 50 miles. Lenders licensed in Texas reach Richardson's 117,435 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Plano, TX about 6 miles away.

Steps to take before a Richardson loan

Before you apply in Richardson, a community of about 117,435, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Texas licence by checking the regulator named above.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

What differs between Richardson and the rest of Texas is not the process but the borrower's own file, among the 117,435 people here.

Where Richardson sits

Richardson covers about 28.6 square miles of land, with 0.09 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 4,112 people per square mile. The largest place in Texas, Houston, lies about 234 miles away. A 50-mile radius around Richardson takes in 13 places that are larger. The 100-mile radius contains 13 larger places.