Personal loans in Texline, TX
A single loan can carry different costs on either side of a state line, and Texline sits on the Texas side of that line.
A lender serving Texline holds a Texas licence and answers to a Texas regulator; no city office is involved for its 464 residents. At about 464 residents, Texline is larger than roughly 19% of the places in Texas. Texline added about 2.2% to its population between the 2020 base and the 2023 estimate. Work out your debt-to-income ratio first; lenders weigh it heavily, and Texline's 464 residents are no exception. The closest larger place is Clayton, NM about 9 miles away.
What the Census records for Texline
Most of what governs a Texline loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.
- Population: 464 people, a figure that places Texline 996th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 2.2% between 2020 and 2023.
- Absolute change: 10 residents added between 2020 and 2023.
- Size percentile: with 464 residents, Texline is larger than about 19% of Texas's Census places.
- Population density: about 457 people per square mile (Census land area 1.0 sq mi).
- By land area: Texline ranks 1,006th among Texas's 1,224 places, at 1.0 sq mi.
- State population share: Texline accounts for about 0.0% of everyone in Texas.
- Nationally: Texline is the 13,481st-largest of 19,457 Census places in the dataset.
- Growth rank: Texline's 2020-to-2023 change ranks 623rd of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Texline moved 2.2%.
- Density in Texas: Texline ranks 915th by people per square mile.
- Density vs Texas: Texline's 457 people per square mile compare with a state median of 840.
- Location: mapped by the US Census Bureau at 36.3765, -103.0189.
- Nearest larger cities: Clayton (9 mi); Dalhart (36 mi); Boise City (37 mi); Stratford (53 mi); Cactus (61 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Grenville (36 mi); Keyes (52 mi); Des Moines (52 mi), each with its own Census population profile.
- Smaller neighbours: 1 places smaller than Texline sit within 50 miles.
- Within 100 miles: 22 places are larger than Texline.
The state rulebook for Texline
Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Texline lender must follow.
| 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 |
| 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 |
| Small-loan / installment lender licensing | License required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051) Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC. | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
How Texline compares across Texas
Against Texas's other places, Texline accounts for about 0.0% of the state's population and ranks 996th of 1,224 by size. For population change between 2020 and 2023, Texline ranks 623rd of 1,224 in Texas (about the 49th percentile). Its roughly 457 residents per square mile place it 915th among Texas's places. Within 50 miles sit 1 smaller Census places, alongside the 3 that are larger.
Texline: area, density and distance
The Census Gazetteer records about 1.0 square miles of land within Texline, with no significant water area listed. The resulting density is about 457 people per square mile. The state's population centre of gravity, Houston, is roughly 634 miles away. Counting outward 50 miles, 3 larger communities surround Texline. The 100-mile radius contains 22 larger places.
How lenders reach Texline
Texline is a lightly settled community of about 464 people, with 3 larger places inside a 50-mile radius. Distance to a branch rarely matters for Texline's 464 residents: the application is online and the price follows your credit file. The nearest bigger place is Clayton, NM about 9 miles away.
The anatomy of a Texline personal loan
Texline is a small community of about 464 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Texline's rank of 996th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Texline loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Clayton, NM — population 2,581
- Dalhart, TX — population 8,353
- Boise City, OK — population 1,109
- Grenville, NM — population 25
- Campo, CO — population 97
- Keyes, OK — population 260
- Des Moines, NM — population 112
- Kim, CO — population 63