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.
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.
- Population: about 1,002, ranked 796th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 1.2% since the 2020 count.
- Net change: roughly 12 more people than the 2020 Census counted.
- Size percentile: roughly 35% of Texas places rank below Timpson.
- Population density: about 399 people per square mile (Census land area 2.5 sq mi).
- Land area: Timpson covers 2.5 square miles, the 586th-largest area among Texas's 1,224 places.
- State share: roughly 0.0% of Texas's residents live in Timpson (1,002 people).
- National standing: Timpson ranks 10,196th of 19,457 US places.
- Growth rank: Timpson's 2020-to-2023 change ranks 728th of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Timpson moved 1.2%.
- Density rank: Timpson places 959th among Texas's places by people per square mile.
- Density in context: Timpson's 399 people per square mile sit against a Texas median of 840.
- Location: latitude 31.9069, longitude -94.3971 (Census Gazetteer).
- Nearest larger cities: Tenaha (9 mi); Center (15 mi); Carthage (17 mi); Logansport (24 mi); Nacogdoches (25 mi). Online lenders reach Timpson no matter how far the nearest branch is.
- Smaller places nearby: Garrison (8 mi); Gary City (9 mi); Mount Enterprise (17 mi).
- Smaller neighbours: 26 places smaller than Timpson sit within 50 miles.
- Within 100 miles: 92 places are larger than Timpson.
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.
| 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 |
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.
Common questions
What are my options in Timpson if my credit is poor?
What loan size can I expect in Timpson?
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Does comparing loans in Timpson cost me credit score points?
Nearby places
- Gary City, TX — population 338
- Garrison, TX — population 817
- Tenaha, TX — population 1,012
- Center, TX — population 5,163
- Carthage, TX — population 6,601
- Appleby, TX — population 552
- Mount Enterprise, TX — population 510
- Beckville, TX — population 742