Personal loans in Smithville, TX

The Smithville data picture

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

• Population: the Census counts 4,126 residents in Smithville (Vintage 2023 subcounty estimate), the 418th-largest figure among Texas's 1,224 places.
• Population trend: Higher by roughly 5.3% since the 2020 count.
• Net change: roughly 208 more people than the 2020 Census counted.
• Size percentile: bigger than about 66% of the places in Texas, with 4,126 residents in Smithville.
• Density: roughly 998 residents per square mile, spread over 4.1 sq mi of land.
• Land area rank: Smithville's 4.1 square miles rank 432nd of 1,224 places in Texas.
• Water: Smithville holds about 0.02 square miles, the 428th-largest water area in Texas.
• State share: roughly 0.0% of Texas's residents live in Smithville (4,126 people).
• Nationally: Smithville is the 5,380th-largest of 19,457 Census places in the dataset.
• Growth rank: Smithville ranks 420th among Texas's 1,224 places for the 2020-to-2023 change.
• Against the state trend: Smithville's 5.3% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Smithville is the 514th most densely settled place in Texas.
• Density vs Texas: Smithville's 998 people per square mile compare with a state median of 840.
• Location: it lies at 30.0088, -97.1519 in the Census Gazetteer.
• Nearest larger cities: Bastrop (12 mi); La Grange (18 mi); Giddings (18 mi); Elgin (28 mi); Lockhart (33 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller places: Flatonia (22 mi); Waelder (23 mi); Webberville (26 mi).
• Within a 50-mile radius: 34 smaller Census places.
• Within 100 miles: 93 places are larger than Smithville.

Smithville in state context

Smithville is the 418th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Smithville stands 420th among Texas's 1,224 places — roughly the 66th percentile. By density, at about 998 people per square mile, it ranks 514th in Texas. Within 50 miles sit 34 smaller Census places, alongside the 20 that are larger.

The Smithville borrowing checklist

Complete these steps first when you borrow in Smithville (4,126 residents):

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Texas; what changes is your credit file, not the fact that Smithville holds 4,126 people.

Where Smithville sits

Inside Smithville's boundaries lie roughly 4.1 square miles of land and 0.02 square miles of water. The resulting density is about 998 people per square mile. The largest place in Texas, Houston, lies about 107 miles away. Counting outward 50 miles, 20 larger communities surround Smithville. Within the same 50 miles lie 34 smaller Census places.

How Texas law applies in Smithville

Read the table as a lender's compliance picture for Smithville: the rule, the sourced figure, the publisher and the date.

What a Smithville borrower is actually offered

With roughly 4,126 residents, Smithville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Smithville loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Smithville loan but raises total interest, so the smallest payment is not the cheapest loan.