Personal loans in Valentine, TX

Valentine is a small community in Texas, with an estimated 67 residents, and every licensed lender here follows the same state rulebook. The Census counts 67 people in Valentine, the 1,216th-largest figure among Texas's 1,224 places. Pull your credit reports and line up at least three offers before you apply from Valentine. Census figures put the 2020-to-2023 decrease in Valentine at about 6.9%. A lender that serves Valentine operates under Texas lending statutes and a Texas supervisor. For a bigger market, look to Marfa, TX about 34 miles away.

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.

Valentine: the sourced local profile

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

Texas rules behind a Valentine personal loan

The rows below set out what a licensed lender must follow in Texas, and so for Valentine's roughly 67 residents.

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
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 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

Inside a Valentine personal loan

With roughly 67 residents, Valentine is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Valentine's 67 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Valentine loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Valentine sits in Texas

Within Texas, Valentine holds roughly 0.0% of all residents, the 1,216th-largest share among 1,224 places. On the 2020-to-2023 trend, Valentine stands 1,214th among Texas's 1,224 places — roughly the 1th percentile. Its roughly 138 residents per square mile place it 1,168th among Texas's places. In land area, Valentine ranks 1,153rd among Texas's 1,224 places.

Land, water and location for Valentine

Inside Valentine's boundaries lie about 0.5 square miles of land, with no significant water area recorded. That land carries about 138 people per square mile. The largest place in Texas, Houston, lies about 547 miles away. Valentine has 2 larger places within a 50-mile radius. The 100-mile radius contains 8 larger places.

What is available to Valentine borrowers

Valentine is a lightly settled community of about 67 people, with 2 larger places inside a 50-mile radius. Whether Valentine has a local branch or not, a Texas-licensed lender can serve its 67 people online on the same terms. The nearest bigger place is Marfa, TX about 34 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 Valentine 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 Valentine is the same as anywhere in Texas.
What loan size can I expect in Valentine?
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 Valentine?
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 Valentine 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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