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Personal loans in Roby, TX

For a borrower in Roby, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. Roby has a Census-estimated population of 581, ranking 942nd among the 1,224 Census places in Texas. Every lender serving Texas must observe the state's rate caps and licensing rules, shown with their sources below.

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

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Roby at a glance

  • Population: the Census estimates 581 residents, ranking 942nd of 1,224 places in Texas (Vintage 2023).
  • 2020 Census base: 589 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: down about 1.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Texas places: the 942nd-largest of 1,224 (US Census Bureau, 2023 estimate).
  • Size percentile: roughly 23% of Texas's places have fewer residents (US Census Bureau).
  • Coordinates: 32.7460 / -100.3794, per the US Census Bureau Gazetteer.
  • Nearest larger cities: Rotan, TX (9 mi); Hamlin, TX (17 mi); Sweetwater, TX (19 mi); Roscoe, TX (23 mi); Anson, TX (28 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places close by: Trent, TX (23 mi); Loraine, TX (30 mi); Hawley, TX (34 mi) (US Census Bureau).

What a personal loan costs in Roby

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.

Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.

Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.

Texas lending rules that apply in Roby

Each row below is a Texas rule with its publisher and the date it was retrieved.

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 Roby

A few practical steps will make the process in Roby 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 Roby?
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 Roby are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Roby?
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 Roby 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 Roby 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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