Personal loans in Tulia, TX

Tulia is home to roughly 4,408 people and stands 401st by size out of 1,224 Census places in Texas. The trend for Tulia between 2020 and 2023 is downward by roughly 1.5%.

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.

A personal loan in Tulia is priced from your credit file and income, not from the fact that the city holds 4,408 people. Lenders active in Tulia report to a Texas supervisor, identified in the sourced rows below. Begin with the payment, then weigh APR and total interest across the lenders that reach Tulia's 4,408 residents. Borrowers who want a bigger city can look to Plainview, TX about 24 miles away.

Tulia by the numbers

Set out below is Tulia's local context next to the state-level rules that reach every lender here.

Land, water and location for Tulia

Tulia covers about 3.6 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,239 people per square mile. Houston, the largest place in Texas, is about 497 miles from Tulia. Within 50 miles of Tulia there are 4 larger Census places. Within the same 50 miles lie 20 smaller Census places.

How lenders reach Tulia

At roughly 1,239 people per square mile, Tulia is moderately settled; 4 larger places lie within 50 miles. Whether Tulia has a local branch or not, a Texas-licensed lender can serve its 4,408 people online on the same terms. For a larger market, the closest option is Plainview, TX about 24 miles away.

How Tulia compares across Texas

Set beside Texas's 1,224 places, Tulia ranks 401st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Tulia stands 1,015th among Texas's 1,224 places — roughly the 17th percentile. By density, at about 1,239 people per square mile, it ranks 382nd in Texas. The population moved by about 69 people between 2020 and 2023, a 1.5% shift.

How a Tulia personal loan is priced

In Tulia, a small community of about 4,408, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Tulia's rank of 401st in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Tulia decides the split between a comfortable payment and the total interest you pay.

Which Texas laws govern a loan in Tulia

When Texas does not publish a figure, the row links to the source instead of inventing a number; Tulia 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

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 Tulia 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 Tulia is the same as anywhere in Texas.
What loan size can I expect in Tulia?
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 Tulia?
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 Tulia 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.

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