Personal loans in Warren City, TX

For a borrower among the roughly 321 residents of Warren City, a personal loan is a tool whose cost turns on the terms, not the address.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Begin with the payment, then weigh APR and total interest across the lenders that reach Warren City's 321 residents. Warren City ranks 1,081st of 1,224 places in Texas, with a population near 321. Rate ceilings, licensing requirements and product limits for Warren City are all set at the Texas level. Population in Warren City climbed about 0.3% over the three years from 2020 to 2023. The nearest larger metro is Clarksville City, TX about 1 miles away.

Warren City: the sourced local profile

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

The geography behind Warren City

Warren City's land area is roughly 1.7 square miles, and the Gazetteer records no significant water area within it. That land carries about 184 people per square mile. The state's population centre of gravity, Houston, is roughly 193 miles away. Warren City has 64 larger places within a 50-mile radius. The 100-mile radius contains 222 larger places.

The state rulebook for Warren City

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

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
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
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

Where Warren City sits in Texas

Set beside Texas's 1,224 places, Warren City ranks 1,081st by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 820th of 1,224 Texas places, putting it near the 33th percentile for growth. At about 184 people per square mile, Warren City is the 1,126th most densely settled place in Texas. Within 50 miles sit 7 smaller Census places, alongside the 64 that are larger.

What shapes a Warren City personal loan

A Warren City personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 321 residents. Because pricing is borrower-level, two people in Warren City can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Warren City loan is knowable in advance — unlike a revolving card balance.

Getting a loan in Warren City

At roughly 184 people per square mile, Warren City is lightly settled; 64 larger places lie within 50 miles. Distance to a branch rarely matters for Warren City's 321 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Clarksville City, TX about 1 miles away.

Compare personal loan offers Run the numbers first

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