Personal loans in Valley Mills, TX

Valley Mills: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

• Population: 1,301 — Valley Mills ranks 730th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 3.3% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 41 residents.
• Size percentile: about 40% of Texas communities are smaller than Valley Mills (1,301 residents).
• Density: the Census land area of 1.2 sq mi holds about 1,070 people per square mile.
• Land area rank: Valley Mills's 1.2 square miles rank 933rd of 1,224 places in Texas.
• Share of state population: Valley Mills's 1,301 residents are about 0.0% of Texas.
• National rank: Valley Mills sits 9,260th by population among the 19,457 places in this dataset.
• Growth in Texas: Valley Mills stands 550th by percentage change from 2020 to 2023, among 1,224 places.
• Against the state trend: Valley Mills's 3.3% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Valley Mills is the 474th most densely settled place in Texas.
• Density vs Texas: Valley Mills's 1,070 people per square mile compare with a state median of 840.
• Location: the Census Gazetteer records it at 31.6568, -97.4726.
• Nearest larger cities: Clifton (11 mi); McGregor (17 mi); Woodway (18 mi); Waco (18 mi); Beverly Hills (21 mi). Online lenders reach Valley Mills no matter how far the nearest branch is.
• Smaller places close by: Crawford (8 mi); Gholson (14 mi); Oglesby (17 mi).
• Smaller neighbours: 32 places smaller than Valley Mills sit within 50 miles.
• At 100 miles: 194 larger Census places fall inside that radius.

Valley Mills on the map

Valley Mills's land area is roughly 1.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,070 people per square mile. The state's population centre of gravity, Houston, is roughly 179 miles away. Valley Mills has 37 larger places within a 50-mile radius. By land area it ranks 933rd of 1,224 Texas places.

What to do before borrowing in Valley Mills

These steps shape the offer you get in Valley Mills, a place of about 1,301 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the Texas licence with the regulator named above before committing.
5. Make sure the new payment leaves room in a budget you already keep.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Valley Mills-specific: the same Texas licensing and disclosure rules reach all 1,301 residents.

Which Texas laws govern a loan in Valley Mills

Read the table as a lender's compliance picture for Valley Mills: the rule, the sourced figure, the publisher and the date.

Inside a Valley Mills personal loan

In Valley Mills, a small community of about 1,301, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Valley Mills lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Valley Mills loan is knowable in advance — unlike a revolving card balance.

What is available to Valley Mills borrowers

Valley Mills is a moderately settled community of about 1,301 people, with 37 larger places inside a 50-mile radius. Lenders licensed in Texas reach Valley Mills's 1,301 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Clifton, TX about 11 miles away.