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Personal loans in Ames, TX

For residents of Ames, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census counts about 1,137 residents in Ames, ranking it 769th among the 1,224 places in Texas. The rate caps and licensing requirements that apply to a lender in Texas are set out in the sourced table below.

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

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Ames at a glance

  • Population: 1,137 residents, the 769th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 Census recorded 938 residents here (US Census Bureau).
  • 2020 to 2023 change: roughly 21.2% higher than at the 2020 Census (US Census Bureau).
  • Rank among Texas places: 769th of the state's 1,224 Census places (US Census Bureau).
  • Size percentile: it exceeds roughly 37% of Texas's Census places by population (US Census Bureau).
  • Coordinates: 30.0451, -94.7373 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities (within 120 miles): Liberty, TX (3 mi); Dayton, TX (12 mi); Old River-Winfree, TX (13 mi); Mont Belvieu, TX (16 mi); Anahuac, TX (20 mi) (US Census Bureau populations).
  • Nearest smaller towns: Hardin, TX (7 mi); Kenefick, TX (7 mi); Daisetta, TX (7 mi) — US Census Bureau populations.

What a personal loan costs in Ames

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.

Texas lending rules that apply in Ames

Where a figure is not published by the state, the row points to the source instead of guessing.

RuleDetailSource
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
Payday lending statusLegal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393)
Source says: the credit access business that serves as the broker is the licensee in this regulated industry		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
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

How to compare offers in Ames

A few practical steps will make the process in Ames less costly:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Ames?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Ames are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Ames?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Ames require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Ames hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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