Personal loans in Yorktown, TX

About 1,793 people live in Yorktown, placing it 642nd of 1,224 Census places in Texas. Yorktown counts about 1,793 people, and what is genuinely local about borrowing here is limited — Texas law does the governing.

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.

Yorktown shed about 1.3% of its population between the 2020 base and the 2023 estimate. Read the disclosure for an origination fee and any prepayment penalty before signing in Yorktown. Lenders active in Yorktown report to a Texas supervisor, identified in the sourced rows below. A larger market lies at Cuero, TX about 16 miles away.

The Yorktown data picture

What follows is Yorktown's place in the Census record, alongside the Texas rules that govern a personal loan made here.

Borrowing reach in Yorktown

Yorktown is a moderately settled community of about 1,793 people, with 14 larger places inside a 50-mile radius. Distance to a branch rarely matters for Yorktown's 1,793 residents: the application is online and the price follows your credit file. The nearest bigger place is Cuero, TX about 16 miles away.

What Texas law requires in Yorktown

Below are the Texas rules that apply to a loan made in Yorktown, each with the regulator that issued it.

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

Steps to take before a Yorktown loan

A sensible order of operations for a loan in Yorktown, home to about 1,793 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  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. Verify the lender's Texas licence with the regulator listed on this page.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Be clear on what the loan is for and how it gets repaid.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Yorktown and the rest of Texas is not the process but the borrower's own file, among the 1,793 people here.

Yorktown against the rest of Texas

Among Texas's 1,224 places, Yorktown sits at 642nd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 990th of 1,224 Texas places, putting it near the 19th percentile for growth. By density, at about 1,038 people per square mile, it ranks 491st in Texas. Within 50 miles sit 9 smaller Census places, alongside the 14 that are larger.

The geography behind Yorktown

Yorktown covers about 1.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,038 people per square mile. For the state's biggest city, Houston, the distance is roughly 139 miles. Counting outward 50 miles, 14 larger communities surround Yorktown. By land area it ranks 790th of 1,224 Texas places.

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