Personal loans in Texarkana, TX

The 2020 count to the 2023 estimate shows about 1.4% decline in Texarkana. For a community of about 35,741, the practical step is to compare APR across at least three lenders before committing. To lend to Texarkana's 35,741 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. A larger market lies at Bossier City, LA about 69 miles away.

Where Texarkana stands

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

• Population: about 35,741, ranked 103rd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 1.4% fewer residents than the 2020 Census counted.
• Net change: roughly 495 fewer people than the 2020 Census counted.
• Size percentile: Texarkana's 35,741 people outrank roughly 92% of the places in Texas.
• Population density: about 1,117 people per square mile across 32.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Texarkana ranks 77th among Texas's 1,224 places, at 32.0 sq mi.
• Water area rank: Texarkana ranks 109th among Texas's 1,224 places, with 0.46 sq mi.
• State share: roughly 0.2% of Texas's residents live in Texarkana (35,741 people).
• National rank: Texarkana is the 1,121st most populous of the 19,457 Census places covered here.
• Growth rank: Texarkana's 2020-to-2023 change ranks 1,000th of 1,224 places in Texas.
• Versus Texas: the state average change is +6.5%, while Texarkana moved 1.4%.
• Density rank: Texarkana is the 435th most densely settled place in Texas.
• Density vs Texas: Texarkana's 1,117 people per square mile compare with a state median of 840.
• Location: 33.4492, -94.0850 (US Census Bureau Gazetteer).
• Nearest larger cities: Bossier City (69 mi); Shreveport (70 mi); Longview (75 mi); Hot Springs (93 mi); Tyler (106 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Nash (3 mi); Wake Village (3 mi); Red Lick (5 mi).
• Smaller neighbours: 72 places smaller than Texarkana sit within 50 miles.
• Within 100 miles: 4 places are larger than Texarkana.

Texarkana on the map

Texarkana's land area is about 32.0 square miles; a further 0.46 square miles is water. With 35,741 residents, the land area yields roughly 1,117 people per square mile. The largest place in Texas, Houston, lies about 264 miles away. Within 50 miles of Texarkana there are 0 larger Census places. By land area it ranks 77th of 1,224 Texas places.

What to do before borrowing in Texarkana

For Texarkana's roughly 35,741 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
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. Make sure the lender appears in the Texas regulator's licence list.
5. Make sure the new payment leaves room in a budget you already keep.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

In Texarkana as elsewhere in Texas, the written terms — not the advertisement — are what count for its 35,741 residents.

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

Against Texas's other places, Texarkana accounts for about 0.2% of the state's population and ranks 103rd of 1,224 by size. On the 2020-to-2023 trend, Texarkana stands 1,000th among Texas's 1,224 places — roughly the 18th percentile. At about 1,117 people per square mile, Texarkana is the 435th most densely settled place in Texas. By land area, its 32.0 square miles rank 77th of 1,224 places in Texas.

How personal loans work in Texarkana

Most loans made to Texarkana's 35,741 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Texarkana can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Texarkana loan is knowable in advance — unlike a revolving card balance.

The Texas lending rules that reach Texarkana

Below are the Texas rules that apply to a loan made in Texarkana, each with the regulator that issued it.