Personal loans in Whiteface, TX

A single loan can carry different costs on either side of a state line, and Whiteface sits on the Texas side of that line. Whiteface is home to roughly 365 people and stands 1,049th by size out of 1,224 Census places in Texas. Begin with the payment, then weigh APR and total interest across the lenders that reach Whiteface's 365 residents. From the 2020 Census base to the 2023 estimate, the population declined by about 3.4%. Borrowers who want a bigger city can look to Morton, TX about 12 miles away.

Borrowing in Whiteface: the local picture

Most of what governs a Whiteface loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

• Population: about 365, ranked 1,049th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 3.4% from 2020 to 2023.
• People gained or lost: about 13 fewer since the 2020 base.
• Size percentile: about 14% of Texas's Census places are smaller than Whiteface.
• Population density: about 621 people per square mile (Census land area 0.6 sq mi).
• By land area: Whiteface ranks 1,127th among Texas's 1,224 places, at 0.6 sq mi.
• State share: roughly 0.0% of Texas's residents live in Whiteface (365 people).
• National rank: Whiteface is the 14,461st most populous of the 19,457 Census places covered here.
• Growth rank: Whiteface's 2020-to-2023 change ranks 1,126th of 1,224 places in Texas.
• Against the state trend: Whiteface's 3.4% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Whiteface places 799th among Texas's places by people per square mile.
• Against the state median: Whiteface runs about 621 residents per square mile, where the Texas median is 840.
• Location: mapped by the US Census Bureau at 33.5996, -102.6134.
• Nearest larger cities: Morton (12 mi); Sundown (12 mi); Levelland (14 mi); Smyer (26 mi); Littlefield (27 mi). Online lenders reach Whiteface no matter how far the nearest branch is.
• Smaller places nearby: Opdyke West (18 mi); Causey (35 mi); Wellman (40 mi).
• Smaller places within 50 miles: 6 of them.
• At 100 miles: 59 larger Census places fall inside that radius.

Borrowing reach in Whiteface

With about 621 residents per square mile, Whiteface is moderately settled, and 23 larger Census places sit within 50 miles. A Texas licence lets a lender serve Whiteface without a local office, so branch density does not change what its 365 residents are offered. For a larger market, the closest option is Morton, TX about 12 miles away.

How Whiteface compares across Texas

Set beside Texas's 1,224 places, Whiteface ranks 1,049th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Whiteface ranks 1,126th of 1,224 in Texas (about the 8th percentile). By density, at about 621 people per square mile, it ranks 799th in Texas. Between 2020 and 2023 the count changed by roughly 13 residents.

What shapes a Whiteface personal loan

With roughly 365 residents, Whiteface is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Whiteface lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Whiteface loan is knowable in advance — unlike a revolving card balance.

The Whiteface borrowing checklist

Before you hand your details to a lender in Whiteface, where the population is near 365:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Texas licence with the regulator named above before committing.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Whiteface-specific: the same Texas licensing and disclosure rules reach all 365 residents.

What Texas law requires in Whiteface

For the roughly 365 residents of Whiteface, the rules below are Texas's own; each row carries its publisher and retrieval date.