Personal loans in Tuscola, TX
About 839 people live in Tuscola, placing it 855th of 1,224 Census places in Texas. In Tuscola, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Decide the purpose of the loan and your repayment plan before sharing any details with a Tuscola lender. Rate ceilings, licensing requirements and product limits for Tuscola are all set at the Texas level. Population in Tuscola dropped about 1.2% over the three years from 2020 to 2023. The closest larger place is Tye, TX about 17 miles away.
Where Tuscola stands
Here is the sourced Census picture for Tuscola, plus the Texas lending rules that apply to a loan taken out here.
- Population: 839 — Tuscola ranks 855th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 1.2%.
- Net change: roughly 10 fewer people than the 2020 Census counted.
- Size percentile: Tuscola sits ahead of around 30% of Texas places, at 839 people.
- Population density: about 982 people per square mile (Census land area 0.9 sq mi).
- By land area: Tuscola ranks 1,052nd among Texas's 1,224 places, at 0.9 sq mi.
- Share of Texas: Tuscola holds about 0.0% of the state's population, some 839 people.
- National rank: Tuscola is the 10,980th most populous of the 19,457 Census places covered here.
- Growth rank: Tuscola's 2020-to-2023 change ranks 983rd of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Tuscola moved 1.2%.
- Density rank: Tuscola is the 524th most densely settled place in Texas.
- Density vs Texas: Tuscola's 982 people per square mile compare with a state median of 840.
- Location: mapped by the US Census Bureau at 32.2116, -99.7983.
- Nearest larger cities: Tye (17 mi); Abilene (17 mi); Winters (20 mi); Merkel (22 mi); Clyde (22 mi). Lenders licensed in the state serve Tuscola whether or not they keep a local branch.
- Nearest smaller towns: Buffalo Gap (5 mi); Lawn (6 mi); Novice (19 mi).
- Smaller neighbours: 12 places smaller than Tuscola sit within 50 miles.
- Larger places within 100 miles: 48.
Getting a loan in Tuscola
Tuscola is a moderately settled community of about 839 people, with 18 larger places inside a 50-mile radius. A Texas licence lets a lender serve Tuscola without a local office, so branch density does not change what its 839 residents are offered. The nearest larger city, Tye, TX about 17 miles away.
The geography behind Tuscola
Tuscola's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. With 839 residents, the land area yields roughly 982 people per square mile. The largest place in Texas, Houston, lies about 310 miles away. Tuscola has 18 larger places within a 50-mile radius. The 100-mile radius contains 48 larger places.
How Texas law applies in Tuscola
For the roughly 839 residents of Tuscola, 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 |
| 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 |
| 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 |
What to do before borrowing in Tuscola
These steps shape the offer you get in Tuscola, a place of about 839 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Texas licence with the regulator named above before committing.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Make sure the new payment leaves room in a budget you already keep.
What differs between Tuscola and the rest of Texas is not the process but the borrower's own file, among the 839 people here.
What a Tuscola borrower is actually offered
With roughly 839 residents, Tuscola 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 Tuscola can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Tuscola loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Tuscola if my credit is poor?
What loan size can I expect in Tuscola?
Do I have to pledge anything to borrow in Tuscola?
Does comparing loans in Tuscola cost me credit score points?
Nearby places
- Buffalo Gap, TX — population 617
- Lawn, TX — population 310
- Tye, TX — population 1,220
- Abilene, TX — population 129,043
- Novice, TX — population 123
- Impact, TX — population 21
- Winters, TX — population 2,319
- Merkel, TX — population 2,433