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Personal loans in Iraan, TX

In Iraan, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Census estimates count about 995 residents in Iraan, making it the 798th-largest of 1,224 places in Texas. The sourced table below shows the Texas rate caps and licensing requirements that reach every loan made here.

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

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Iraan at a glance

  • Population: 995 — 798th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 1,058 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: about 6.0% below the 2020 Census base (US Census Bureau).
  • Rank among Texas places: the 798th-largest of 1,224 (US Census Bureau, 2023 estimate).
  • Size percentile: about 35% of Texas's Census places are smaller (US Census Bureau).
  • Coordinates: mapped at 30.9129, -101.9001 by the US Census Bureau Gazetteer.
  • Nearest larger cities (within 120 miles): McCamey, TX (24 mi); Big Lake, TX (33 mi); Crane, TX (42 mi); Fort Stockton, TX (58 mi); Odessa, TX (72 mi) (US Census Bureau populations).
  • Nearest smaller communities: Rankin, TX (22 mi); Grandfalls, TX (64 mi); Mertzon, TX (68 mi), each a US Census place.

What a personal loan costs in Iraan

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

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Texas lending rules that apply in Iraan

Read the table as the compliance picture for a lender serving Iraan: label, sourced figure, publisher and date.

RuleDetailSource
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
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

How to compare offers in Iraan

Before you share your details with a lender in Iraan:

  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 Iraan?
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 Iraan are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Iraan?
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 Iraan 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 Iraan 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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