Personal loans in Star Harbor, TX

With 514 residents, Star Harbor outranks about 21% of the communities in Texas. A larger market lies at Malakoff, TX about 2 miles away. For the 514 people in Star Harbor, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Use the calculator on this page to price an amount and term before you commit in Star Harbor.

Star Harbor by the numbers

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

• Population: 514 — Star Harbor ranks 970th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 6.9% between 2020 and 2023.
• Net change: roughly 33 more people than the 2020 Census counted.
• Size percentile: Star Harbor's 514 people outrank roughly 21% of the places in Texas.
• Population density: 1,101 people per square mile on 0.5 square miles of land.
• Land area rank: Star Harbor's 0.5 square miles rank 1,159th of 1,224 places in Texas.
• Water: Star Harbor holds about 0.09 square miles, the 244th-largest water area in Texas.
• Within Texas: about 0.0% of the state's population lives in Star Harbor.
• National rank: Star Harbor sits 13,056th by population among the 19,457 places in this dataset.
• Growth rank: Star Harbor's 2020-to-2023 change ranks 327th of 1,224 places in Texas.
• Against the state trend: Star Harbor's 6.9% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Star Harbor is the 446th most densely settled place in Texas.
• Density in context: Star Harbor's 1,101 people per square mile sit against a Texas median of 840.
• Location: mapped by the US Census Bureau at 32.1921, -96.0551.
• Nearest larger cities: Malakoff (2 mi); Log Cabin (3 mi); Trinidad (4 mi); Payne Springs (6 mi); Eustace (8 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Caney City (2 mi); Enchanted Oaks (6 mi); Goodlow (11 mi).
• Within a 50-mile radius: 29 smaller Census places.
• Within 100 miles: 310 places are larger than Star Harbor.

Star Harbor on the map

Inside Star Harbor's boundaries lie roughly 0.5 square miles of land and 0.09 square miles of water. Spread across it are roughly 1,101 residents per square mile. The largest place in Texas, Houston, lies about 171 miles away. A 50-mile radius around Star Harbor takes in 73 places that are larger. By land area it ranks 1,159th of 1,224 Texas places.

Inside a Star Harbor personal loan

A Star Harbor personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 514 residents. Because pricing is borrower-level, two people in Star Harbor can be quoted different APRs on the same amount and term. Shortening the term on a Star Harbor loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Steps to take before a Star Harbor loan

These steps shape the offer you get in Star Harbor, a place of about 514 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Texas licence with the regulator named above before committing.
5. Be clear on what the loan is for and how it gets repaid.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Star Harbor-specific: the same Texas licensing and disclosure rules reach all 514 residents.

The Texas lending rules that reach Star Harbor

The rows below set out what a licensed lender must follow in Texas, and so for Star Harbor's roughly 514 residents.

Lender access in Star Harbor

Star Harbor is a moderately settled community of about 514 people, with 73 larger places inside a 50-mile radius. A Texas licence lets a lender serve Star Harbor without a local office, so branch density does not change what its 514 residents are offered. The nearest bigger place is Malakoff, TX about 2 miles away.