Personal loans in Sunray, TX

Sunray, Texas — home to about 1,709 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. The Census estimates 1,709 residents in Sunray, which ranks it 653rd of 1,224 places in Texas. A 2020-to-2023 comparison shows Sunray down by about 0.1%. Use the calculator on this page to price an amount and term before you commit in Sunray. The closest larger city is Cactus, TX about 10 miles away.

Borrowing in Sunray: the local picture

What follows is Sunray's place in the Census record, alongside the Texas rules that govern a personal loan made here.

• Population: a Census-estimated 1,709, 653rd among Texas's 1,224 places (Vintage 2023).
• Population trend: About 0.1% below the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
• Size percentile: with 1,709 residents, Sunray is larger than about 47% of Texas's Census places.
• Density: the Census land area of 1.7 sq mi holds about 1,001 people per square mile.
• Land area: Sunray covers 1.7 square miles, the 795th-largest area among Texas's 1,224 places.
• State population share: Sunray accounts for about 0.0% of everyone in Texas.
• National rank: Sunray sits 8,216th by population among the 19,457 places in this dataset.
• Growth rank: Sunray ranks 871st among Texas's 1,224 places for the 2020-to-2023 change.
• Versus Texas: the state average change is +6.5%, while Sunray moved 0.1%.
• Density in Texas: Sunray ranks 511th by people per square mile.
• Against the state median: Sunray runs about 1,001 residents per square mile, where the Texas median is 840.
• Location: the Census Gazetteer records it at 36.0184, -101.8245.
• Nearest larger cities: Cactus (10 mi); Dumas (13 mi); Stratford (26 mi); Fritch (29 mi); Borger (34 mi). Larger metros often have more branches, but online lenders reach Sunray on the same terms.
• Smaller towns nearby: Stinnett (25 mi); Sanford (27 mi); Gruver (29 mi).
• Smaller places within 50 miles: 8 of them.
• Within 100 miles: 21 places are larger than Sunray.

The Texas lending rules that reach Sunray

These are Texas's sourced lending facts as they reach Sunray's 1,709 residents; the state has no city-level rate rule.

What to do before borrowing in Sunray

Before you apply in Sunray, a community of about 1,709, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

The process is identical across Texas; what changes is your credit file, not the fact that Sunray holds 1,709 people.

Inside a Sunray personal loan

A Sunray personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,709 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Sunray. Because the payment is fixed, the total cost of a Sunray loan is knowable in advance — unlike a revolving card balance.

Sunray's place among Texas's 1,224 places

Among Texas's 1,224 places, Sunray sits at 653rd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Sunray ranks 871st of 1,224 in Texas (about the 29th percentile). Its roughly 1,001 residents per square mile place it 511th among Texas's places. By land area, its 1.7 square miles rank 795th of 1,224 places in Texas.

Sunray: area, density and distance

The Census Gazetteer records about 1.7 square miles of land within Sunray, with no significant water area listed. Spread across it are roughly 1,001 residents per square mile. The state's population centre of gravity, Houston, is roughly 570 miles away. Counting outward 50 miles, 7 larger communities surround Sunray. By land area it ranks 795th of 1,224 Texas places.