Personal loans in Spofford, TX

Borrowing in Spofford: the local picture

Set out below is Spofford's local context next to the state-level rules that reach every lender here.

• Population: about 45, ranked 1,220th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly level with the 2020 Census base.
• Size percentile: Spofford sits ahead of around 0% of Texas places, at 45 people.
• Population density: about 188 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Spofford covers 0.2 square miles, the 1,209th-largest area among Texas's 1,224 places.
• State share: roughly 0.0% of Texas's residents live in Spofford (45 people).
• National rank: Spofford is 19,046th of 19,457 places nationwide.
• Growth rank: Spofford's 2020-to-2023 change ranks 863rd of 1,224 places in Texas.
• Against the state trend: Spofford's 0.0% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Spofford is the 1,124th most densely settled place in Texas.
• Density in context: Spofford's 188 people per square mile sit against a Texas median of 840.
• Location: 29.1731, -100.4113 (Census Gazetteer coordinates).
• Nearest larger cities: Brackettville (10 mi); Del Rio (32 mi); Eagle Pass (32 mi); Uvalde (38 mi); Camp Wood (42 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Within a 50-mile radius: 0 smaller Census places.
• At 100 miles: 26 larger Census places fall inside that radius.

Getting a loan in Spofford

With about 188 residents per square mile, Spofford is lightly settled, and 6 larger Census places sit within 50 miles. Distance to a branch rarely matters for Spofford's 45 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Brackettville, TX about 10 miles away.

What shapes a Spofford personal loan

With roughly 45 residents, Spofford is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Spofford lender to disclose the APR and finance charge before you sign. The term you choose in Spofford decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Spofford

The Census Gazetteer records about 0.2 square miles of land within Spofford, with no significant water area listed. The resulting density is about 188 people per square mile. Houston, the largest place in Texas, is about 305 miles from Spofford. Within 50 miles of Spofford there are 6 larger Census places. Within the same 50 miles lie 0 smaller Census places.

The Texas lending rules that reach Spofford

This table holds the Texas rate and licensing rules for consumer loans made to Spofford's 45 residents.

A pre-application checklist for Spofford

A sensible order of operations for a loan in Spofford, home to about 45 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the Texas licence with the regulator named above before committing.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Spofford and the rest of Texas is not the process but the borrower's own file, among the 45 people here.