Personal loans in Shepherd, TX

For the 2,005 people in Shepherd, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. At about 2,005 residents, Shepherd is larger than roughly 51% of the places in Texas. For a community of about 2,005, the practical step is to compare APR across at least three lenders before committing. Shepherd shed about 4.3% of its population between the 2020 base and the 2023 estimate. A larger market lies at Cleveland, TX about 11 miles away.

Shepherd by the numbers

Shepherd is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: about 2,005 people live here, which puts Shepherd 601st of 1,224 Census places in Texas (Vintage 2023).
• Population trend: A decline of about 4.3% across the 2020-to-2023 comparison.
• Absolute change: 90 residents lost between 2020 and 2023.
• Size percentile: with 2,005 residents, Shepherd is larger than about 51% of Texas's Census places.
• Density: roughly 329 residents per square mile, spread over 6.1 sq mi of land.
• Land area rank: Shepherd's 6.1 square miles rank 325th of 1,224 places in Texas.
• Water area: Shepherd has 0.02 square miles of water, ranking 420th of 1,224 places in Texas.
• Within Texas: about 0.0% of the state's population lives in Shepherd.
• National rank: Shepherd is the 7,620th most populous of the 19,457 Census places covered here.
• Growth rank: Shepherd's 2020-to-2023 change ranks 1,170th of 1,224 places in Texas.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Shepherd's 4.3%.
• Density rank: Shepherd is the 1,020th most densely settled place in Texas.
• Against the state median: Shepherd runs about 329 residents per square mile, where the Texas median is 840.
• Location: the Census Gazetteer records it at 30.4862, -95.0113.
• Nearest larger cities: Cleveland (11 mi); Livingston (16 mi); Roman Forest (23 mi); Onalaska (24 mi); Willis (28 mi). Larger metros often have more branches, but online lenders reach Shepherd on the same terms.
• Nearest smaller towns: Goodrich (9 mi); North Cleveland (10 mi); Coldspring (10 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 30 smaller Census places.
• Larger places within 100 miles: 104.

Texas consumer-lending rules applied in Shepherd

Texas has no separate rate rule for Shepherd; the sourced rows below are what reach every lender that serves its 2,005 people.

Borrowing reach in Shepherd

At roughly 329 people per square mile, Shepherd is lightly settled; 21 larger places lie within 50 miles. Distance to a branch rarely matters for Shepherd's 2,005 residents: the application is online and the price follows your credit file. The nearest larger city, Cleveland, TX about 11 miles away.

What shapes a Shepherd personal loan

With roughly 2,005 residents, Shepherd is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Shepherd's rank of 601st in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Shepherd loan is knowable in advance — unlike a revolving card balance.

The geography behind Shepherd

Shepherd covers about 6.1 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 329 residents per square mile. Houston, the largest place in Texas, is about 53 miles from Shepherd. A 50-mile radius around Shepherd takes in 21 places that are larger. By land area it ranks 325th of 1,224 Texas places.

How Shepherd compares across Texas

Set beside Texas's 1,224 places, Shepherd ranks 601st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Shepherd ranks 1,170th of 1,224 in Texas (about the 4th percentile). Its roughly 329 residents per square mile place it 1,020th among Texas's places. Within 50 miles sit 30 smaller Census places, alongside the 21 that are larger.