Personal loans in Winnsboro, TX

Rate-shopping from Winnsboro costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The trend for Winnsboro between 2020 and 2023 is upward by roughly 4.6%. A lender that serves Winnsboro operates under Texas lending statutes and a Texas supervisor. The nearest larger metro is Pittsburg, TX about 19 miles away.

The Winnsboro data picture

Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.

• Population: 3,614 people, a figure that places Winnsboro 443rd among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 4.6% since the 2020 count.
• Absolute change: 159 residents added between 2020 and 2023.
• Size percentile: bigger than about 64% of the places in Texas, with 3,614 residents in Winnsboro.
• Population density: about 966 people per square mile across 3.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Winnsboro ranks 460th among Texas's 1,224 places, at 3.7 sq mi.
• Water area: Winnsboro has 0.01 square miles of water, ranking 492nd of 1,224 places in Texas.
• Within Texas: about 0.0% of the state's population lives in Winnsboro.
• National rank: Winnsboro sits 5,737th by population among the 19,457 places in this dataset.
• Growth in Texas: Winnsboro stands 456th by percentage change from 2020 to 2023, among 1,224 places.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Winnsboro's 4.6%.
• Density in Texas: Winnsboro ranks 531st by people per square mile.
• Against the state median: Winnsboro runs about 966 residents per square mile, where the Texas median is 840.
• Location: the Census Gazetteer records it at 32.9559, -95.2903.
• Nearest larger cities: Pittsburg (19 mi); Sulphur Springs (23 mi); Mount Pleasant (23 mi); Mineola (24 mi); Gilmer (25 mi). Online lenders reach Winnsboro no matter how far the nearest branch is.
• Nearest smaller towns: Como (13 mi); Quitman (14 mi); Mount Vernon (16 mi).
• Within a 50-mile radius: 53 smaller Census places.
• At 100 miles: 108 larger Census places fall inside that radius.

A practical checklist for Winnsboro borrowers

These steps shape the offer you get in Winnsboro, a place of about 3,614 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Make sure the new payment leaves room in a budget you already keep.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Winnsboro-specific: the same Texas licensing and disclosure rules reach all 3,614 residents.

Winnsboro: area, density and distance

Winnsboro covers about 3.7 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 966 residents per square mile. The largest place in Texas, Houston, lies about 219 miles away. Within 50 miles of Winnsboro there are 16 larger Census places. By land area it ranks 460th of 1,224 Texas places.

Winnsboro in state context

Within Texas, Winnsboro holds roughly 0.0% of all residents, the 443rd-largest share among 1,224 places. Its 2020-to-2023 change ranks 456th of 1,224 Texas places, putting it near the 63th percentile for growth. Its roughly 966 residents per square mile place it 531st among Texas's places. In land area, Winnsboro ranks 460th among Texas's 1,224 places.

How personal loans work in Winnsboro

Most loans made to Winnsboro's 3,614 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Winnsboro. The term you choose in Winnsboro decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Winnsboro

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Winnsboro lender must follow.