Personal loans in Shallowater, TX

Population in Shallowater dropped about 1.1% over the three years from 2020 to 2023. To lend to Shallowater's 2,932 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. For a community of about 2,932, the practical step is to compare APR across at least three lenders before committing. A larger market lies at Lubbock, TX about 11 miles away.

Shallowater by the numbers

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

• Population: 2,932 people, a figure that places Shallowater 501st among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
• Population trend: Roughly 1.1% fewer residents than the 2020 Census counted.
• People gained or lost: about 32 fewer since the 2020 base.
• Size percentile: Shallowater's 2,932 people outrank roughly 59% of the places in Texas.
• Population density: 1,809 people per square mile on 1.6 square miles of land.
• Land area: Shallowater covers 1.6 square miles, the 820th-largest area among Texas's 1,224 places.
• Share of state population: Shallowater's 2,932 residents are about 0.0% of Texas.
• National rank: Shallowater is 6,352nd of 19,457 places nationwide.
• Growth rank: Shallowater ranks 974th among Texas's 1,224 places for the 2020-to-2023 change.
• Versus Texas: the state average change is +6.5%, while Shallowater moved 1.1%.
• Density in Texas: Shallowater ranks 205th by people per square mile.
• Against the state median: Shallowater runs about 1,809 residents per square mile, where the Texas median is 840.
• Location: coordinates 33.6901, -101.9893 (US Census Bureau Gazetteer).
• Nearest larger cities: Lubbock (11 mi); Wolfforth (13 mi); Levelland (23 mi); Littlefield (25 mi); Slaton (26 mi). Living near a larger metro rarely changes what is available in Shallowater.
• Nearest smaller places: New Deal (9 mi); Smyer (12 mi); Abernathy (12 mi).
• Smaller places within 50 miles: 31 of them.
• At 100 miles: 22 larger Census places fall inside that radius.

Inside a Shallowater personal loan

A Shallowater personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,932 residents. A lender serving Shallowater's 2,932 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Shallowater decides the split between a comfortable payment and the total interest you pay.

Shallowater on the map

The Census Gazetteer records about 1.6 square miles of land within Shallowater, with no significant water area listed. With 2,932 residents, the land area yields roughly 1,809 people per square mile. The largest place in Texas, Houston, lies about 472 miles away. A 50-mile radius around Shallowater takes in 8 places that are larger. By land area it ranks 820th of 1,224 Texas places.

Shallowater's place among Texas's 1,224 places

Shallowater is the 501st-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Shallowater ranks 974th of 1,224 in Texas (about the 20th percentile). By density, at about 1,809 people per square mile, it ranks 205th in Texas. Within 50 miles sit 31 smaller Census places, alongside the 8 that are larger.

Lender access in Shallowater

Shallowater is moderately settled, with about 1,809 people per square mile and 8 larger places within 50 miles. Whether Shallowater has a local branch or not, a Texas-licensed lender can serve its 2,932 people online on the same terms. For a larger market, the closest option is Lubbock, TX about 11 miles away.

The Texas lending rules that reach Shallowater

The rows below set out what a licensed lender must follow in Texas, and so for Shallowater's roughly 2,932 residents.