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Personal loans in Nash, TX

For residents of Nash, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. About 4,230 people live in Nash, which ranks 411th of 1,224 Census places in Texas. Texas sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

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

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Nash at a glance

  • Population: the Census estimates 4,230 residents, ranking 411th of 1,224 places in Texas (Vintage 2023).
  • 2020 Census base: the 2020 count put the population at 3,818 (US Census Bureau).
  • 2020 to 2023 change: an increase of about 10.8% since the 2020 count (US Census Bureau).
  • Rank among Texas places: 411th largest of 1,224 (US Census Bureau).
  • Size percentile: it exceeds roughly 66% of Texas's Census places by population (US Census Bureau).
  • Coordinates: latitude 33.4472, longitude -94.1345 (US Census Bureau Gazetteer).
  • Nearest larger cities: Wake Village, TX (2 mi); Texarkana, TX (3 mi); Texarkana, AR (9 mi); New Boston, TX (16 mi); Atlanta, TX (23 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places close by: Red Lick, TX (3 mi); Leary, TX (5 mi); Hooks, TX (9 mi) (US Census Bureau).

What a personal loan costs in Nash

Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.

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 Nash

The table lists the Texas rules that apply to a loan made in Nash, each with the regulator that published it.

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 Nash

These steps are the ones that most affect the offer you receive in Nash:

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