Personal loans in Thorndale, TX
Census figures put the 2020-to-2023 increase in Thorndale at about 8.3%. With roughly 1,364 residents, Thorndale is a small community, and the lending rules its borrowers live under are written in Texas, not by the city. The Census estimates 1,364 residents in Thorndale, which ranks it 717th of 1,224 places in Texas. The nearest larger metro is Rockdale, TX about 12 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Thorndale's 1,364 residents. Compare APR, not the interest rate, because the APR folds in most fees on a Thorndale loan.
Thorndale by the numbers
The figures below are Thorndale's own — Census population, land area and coordinates — followed by the Texas rules.
- Population: about 1,364, ranked 717th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: Up about 8.3% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 105 more people than the 2020 Census counted.
- Size percentile: roughly 41% of Texas places rank below Thorndale.
- Population density: 1,418 people per square mile on 1.0 square miles of land.
- Land area: Thorndale covers 1.0 square miles, the 1,027th-largest area among Texas's 1,224 places.
- Share of state population: Thorndale's 1,364 residents are about 0.0% of Texas.
- National rank: Thorndale sits 9,062nd by population among the 19,457 places in this dataset.
- Growth rank: Thorndale ranks 282nd among Texas's 1,224 places for the 2020-to-2023 change.
- Against the state trend: Thorndale's 8.3% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Thorndale is the 312th most densely settled place in Texas.
- Density in context: Thorndale's 1,418 people per square mile sit against a Texas median of 840.
- Location: 30.6140, -97.2065 (Census Gazetteer coordinates).
- Nearest larger cities: Rockdale (12 mi); Taylor (14 mi); Bartlett (18 mi); Hutto (21 mi); Elgin (21 mi). Living near a larger metro rarely changes what is available in Thorndale.
- Smaller towns nearby: Thrall (6 mi); Coupland (15 mi); Granger (16 mi).
- Within a 50-mile radius: 25 smaller Census places.
- At 100 miles: 123 larger Census places fall inside that radius.
Thorndale in state context
Thorndale is the 717th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Thorndale stands 282nd among Texas's 1,224 places — roughly the 77th percentile. By density, at about 1,418 people per square mile, it ranks 312th in Texas. In land area, Thorndale ranks 1,027th among Texas's 1,224 places.
Getting a loan in Thorndale
With about 1,418 residents per square mile, Thorndale is moderately settled, and 40 larger Census places sit within 50 miles. Whether Thorndale has a local branch or not, a Texas-licensed lender can serve its 1,364 people online on the same terms. For a larger market, the closest option is Rockdale, TX about 12 miles away.
Land, water and location for Thorndale
Thorndale's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,418 residents per square mile. Houston, the largest place in Texas, is about 123 miles from Thorndale. Within 50 miles of Thorndale there are 40 larger Census places. Within the same 50 miles lie 25 smaller Census places.
The Thorndale borrowing checklist
These steps shape the offer you get in Thorndale, a place of about 1,364 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Model the payment on the calculator before a lender models it for you.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Texas licence by checking the regulator named above.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Check that the monthly payment fits your budget next to your existing obligations.
The process is identical across Texas; what changes is your credit file, not the fact that Thorndale holds 1,364 people.
What Texas law requires in Thorndale
For the roughly 1,364 residents of Thorndale, the rules below are Texas's own; each row carries its publisher and retrieval date.
| 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 |
Common questions
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Nearby places
- Thrall, TX — population 865
- Rockdale, TX — population 5,588
- Taylor, TX — population 17,337
- Coupland, TX — population 295
- Granger, TX — population 1,193
- Buckholts, TX — population 388
- Lexington, TX — population 1,289
- Bartlett, TX — population 1,616