Personal loans in Tira, TX
With 332 residents, Tira outranks about 12% of the communities in Texas. In Tira, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate.
Judge Tira offers on total cost, not on how quickly the money arrives. A lender that serves Tira operates under Texas lending statutes and a Texas supervisor. The trend for Tira between 2020 and 2023 is upward by roughly 4.4%. For a bigger market, look to Cooper, TX about 9 miles away.
Tira by the numbers
Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.
- Population: about 332 people live here, which puts Tira 1,074th of 1,224 Census places in Texas (Vintage 2023).
- Population trend: Higher by roughly 4.4% since the 2020 count.
- Absolute change: 14 residents added between 2020 and 2023.
- Size percentile: bigger than about 12% of the places in Texas, with 332 residents in Tira.
- Population density: about 234 people per square mile (Census land area 1.4 sq mi).
- By land area: Tira ranks 883rd among Texas's 1,224 places, at 1.4 sq mi.
- Water area: Tira has 0.02 square miles of water, ranking 415th of 1,224 places in Texas.
- Share of Texas: Tira holds about 0.0% of the state's population, some 332 people.
- National rank: Tira sits 14,777th by population among the 19,457 places in this dataset.
- Growth in Texas: Tira stands 472nd by percentage change from 2020 to 2023, among 1,224 places.
- Against the state trend: Tira's 4.4% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Tira is the 1,096th most densely settled place in Texas.
- Against the state median: Tira runs about 234 residents per square mile, where the Texas median is 840.
- Location: coordinates 33.3291, -95.5361 (US Census Bureau Gazetteer).
- Nearest larger cities: Cooper (9 mi); Sulphur Springs (14 mi); Roxton (18 mi); Deport (19 mi); Como (19 mi). Larger metros often have more branches, but online lenders reach Tira on the same terms.
- Smaller places close by: Pecan Gap (20 mi); Toco (23 mi); Sun Valley (24 mi).
- Within a 50-mile radius: 11 smaller Census places.
- Within 100 miles: 295 places are larger than Tira.
Tira's place among Texas's 1,224 places
Among Texas's 1,224 places, Tira sits at 1,074th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 472nd of 1,224 Texas places, putting it near the 61th percentile for growth. Its roughly 234 residents per square mile place it 1,096th among Texas's places. Within 50 miles sit 11 smaller Census places, alongside the 53 that are larger.
The Texas lending rules that reach Tira
When Texas does not publish a figure, the row links to the source instead of inventing a number; Tira 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 |
| 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 |
| Maximum legal interest rate (usury cap) | 10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001) Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law. | Texas Legislature (Texas Constitution and Statutes) as of 2026-09-16 |
Steps to take before a Tira loan
A sensible order of operations for a loan in Tira, home to about 332 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Make sure the lender appears in the Texas regulator's licence list.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
What differs between Tira and the rest of Texas is not the process but the borrower's own file, among the 332 people here.
Borrowing reach in Tira
Tira is lightly settled, with about 234 people per square mile and 53 larger places within 50 miles. Distance to a branch rarely matters for Tira's 332 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Cooper, TX about 9 miles away.
Inside a Tira personal loan
With roughly 332 residents, Tira is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Tira can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Tira loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Tira if my credit is poor?
What loan size can I expect in Tira?
Do I have to pledge anything to borrow in Tira?
Does comparing loans in Tira cost me credit score points?
Nearby places
- Cooper, TX — population 2,025
- Sulphur Springs, TX — population 16,564
- Como, TX — population 746
- Roxton, TX — population 556
- Deport, TX — population 554
- Pecan Gap, TX — population 186
- Paris, TX — population 24,969
- Reno, TX — population 3,544