Personal loans in Roma, TX

Roma is a small town of about 11,554 residents, and a personal loan taken out here is governed by Texas statute. Roma ranks 221st of 1,224 places in Texas, with a population near 11,554.

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.

Use the calculator on this page to price an amount and term before you commit in Roma. Census figures put the 2020-to-2023 decrease in Roma at about 0.1%. For the 11,554 people in Roma, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger metro is Rio Grande City, TX about 12 miles away.

Where Roma stands

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

The geography behind Roma

Roma's land area is about 5.9 square miles; a further 0.14 square miles is water. The resulting density is about 1,971 people per square mile. The state's population centre of gravity, Houston, is roughly 321 miles away. A 50-mile radius around Roma takes in 5 places that are larger. By land area it ranks 329th of 1,224 Texas places.

The state rulebook for Roma

These are Texas's sourced lending facts as they reach Roma's 11,554 residents; the state has no city-level rate rule.

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
Small-loan / installment lender licensingLicense required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051)
Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.		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

Getting a loan in Roma

Roma is moderately settled, with about 1,971 people per square mile and 5 larger places within 50 miles. Lenders licensed in Texas reach Roma's 11,554 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Rio Grande City, TX about 12 miles away.

Where Roma sits in Texas

Among Texas's 1,224 places, Roma sits at 221st for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Roma ranks 882nd of 1,224 in Texas (about the 28th percentile). At about 1,971 people per square mile, Roma is the 180th most densely settled place in Texas. By land area, its 5.9 square miles rank 329th of 1,224 places in Texas.

How personal loans work in Roma

With roughly 11,554 residents, Roma is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Roma's rank of 221st 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 Roma 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 Roma 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 Roma is the same as anywhere in Texas.
What loan size can I expect in Roma?
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 Roma?
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 Roma 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

Related