Personal loans in Sun Valley, TX
Two households in Sun Valley with comparable incomes can still be offered different rates; the city's 73 residents are not the reason. The Census estimates 73 residents in Sun Valley, which ranks it 1,212th of 1,224 places in Texas.
Population in Sun Valley climbed about 2.8% over the three years from 2020 to 2023. Judge Sun Valley offers on total cost, not on how quickly the money arrives. The nearest larger city is Blossom, TX about 3 miles away. A single loan can carry different costs on either side of a state line, and Sun Valley sits on the Texas side of that line.
Borrowing in Sun Valley: the local picture
What follows is Sun Valley's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: 73 — Sun Valley ranks 1,212th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 2.8% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 2 residents.
- Size percentile: with 73 residents, Sun Valley is larger than about 1% of Texas's Census places.
- Land and density: 0.2 square miles of land carry roughly 453 residents per square mile.
- By land area: Sun Valley ranks 1,216th among Texas's 1,224 places, at 0.2 sq mi.
- Share of Texas: Sun Valley holds about 0.0% of the state's population, some 73 people.
- National rank: Sun Valley sits 18,605th by population among the 19,457 places in this dataset.
- Growth rank: Sun Valley ranks 589th among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Sun Valley moved 2.8%.
- Density rank: Sun Valley is the 917th most densely settled place in Texas.
- Against the state median: Sun Valley runs about 453 residents per square mile, where the Texas median is 840.
- Location: 33.6706 / -95.4287, per the US Census Bureau Gazetteer.
- Nearest larger cities: Blossom (3 mi); Reno (3 mi); Paris (7 mi); Detroit (9 mi); Deport (12 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller towns nearby: Neylandville (47 mi); Hendrix (57 mi); Albion (71 mi).
- Within a 50-mile radius: 1 smaller Census places.
- Larger places within 100 miles: 296.
The state rulebook for Sun Valley
The rows below set out what a licensed lender must follow in Texas, and so for Sun Valley's roughly 73 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas Office of Consumer Credit Commissioner (OCCC) Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001) Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law. | Texas Legislature (Texas Constitution and Statutes) as of 2026-09-16 |
| Payday lending status | Legal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393) Source says: the credit access business that serves as the broker is the licensee in this regulated industry | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
Sun Valley against the rest of Texas
Set beside Texas's 1,224 places, Sun Valley ranks 1,212th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Sun Valley ranks 589th of 1,224 in Texas (about the 52th percentile). At about 453 people per square mile, Sun Valley is the 917th most densely settled place in Texas. Within 50 miles sit 1 smaller Census places, alongside the 50 that are larger.
The geography behind Sun Valley
Sun Valley's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 453 residents per square mile. For the state's biggest city, Houston, the distance is roughly 268 miles. Counting outward 50 miles, 50 larger communities surround Sun Valley. The 100-mile radius contains 296 larger places.
A pre-application checklist for Sun Valley
Before you apply in Sun Valley, a community of about 73, work through these steps:
- Pull your credit reports first and correct any error before a lender sees the file.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the lender holds a Texas licence by checking the regulator named above.
- Borrow only what the purpose requires, not the maximum you are offered.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
None of these steps is Sun Valley-specific: the same Texas licensing and disclosure rules reach all 73 residents.
How lenders reach Sun Valley
At roughly 453 people per square mile, Sun Valley is lightly settled; 50 larger places lie within 50 miles. What is available to Sun Valley's 73 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Blossom, TX about 3 miles away.
Common questions
What are my options in Sun Valley if my credit is poor?
What loan size can I expect in Sun Valley?
Do I have to pledge anything to borrow in Sun Valley?
Does comparing loans in Sun Valley cost me credit score points?
Nearby places
- Blossom, TX — population 1,456
- Reno, TX — population 3,544
- Paris, TX — population 24,969
- Detroit, TX — population 707
- Deport, TX — population 554
- Toco, TX — population 92
- Bogata, TX — population 1,095
- Roxton, TX — population 556