Personal loans in Timpson, TX

The roughly 1,002 people who live in Timpson borrow under Texas rules; city hall sets no personal-loan rate. Use the calculator on this page to price an amount and term before you commit in Timpson.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Timpson is one of 1,224 Census places in Texas; its 1,002 residents put it at 796th. Every figure below is Texas's own, applied to Timpson's 1,002 residents, with the publisher and retrieval date attached. A 2020-to-2023 comparison shows Timpson up by about 1.2%. A larger market lies at Tenaha, TX about 9 miles away.

Borrowing in Timpson: the local picture

The figures below are Timpson's own — Census population, land area and coordinates — followed by the Texas rules.

Land, water and location for Timpson

The Census Gazetteer records about 2.5 square miles of land within Timpson, with no significant water area listed. That land carries about 399 people per square mile. The state's population centre of gravity, Houston, is roughly 158 miles away. Within 50 miles of Timpson there are 24 larger Census places. The 100-mile radius contains 92 larger places.

What a Timpson borrower is actually offered

Most loans made to Timpson's 1,002 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Timpson's rank of 796th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Timpson loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Timpson compares across Texas

Against Texas's other places, Timpson accounts for about 0.0% of the state's population and ranks 796th of 1,224 by size. Its 2020-to-2023 change ranks 728th of 1,224 Texas places, putting it near the 41th percentile for growth. By density, at about 399 people per square mile, it ranks 959th in Texas. Within 50 miles sit 26 smaller Census places, alongside the 24 that are larger.

What Texas law requires in Timpson

When Texas does not publish a figure, the row links to the source instead of inventing a number; Timpson is bound by the same rules.

RuleDetailSource
State lending regulatorTexas 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 statusLegal 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 licensingLicense 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

Borrowing reach in Timpson

Timpson is a lightly settled community of about 1,002 people, with 24 larger places inside a 50-mile radius. Lenders licensed in Texas reach Timpson's 1,002 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Tenaha, TX about 9 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Timpson if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Timpson is the same as anywhere in Texas.
What loan size can I expect in Timpson?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Timpson?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Timpson cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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