Coolidge at a glance
- Population: about 786, 873rd by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 782 (US Census Bureau).
- 2020 to 2023 change: population rose about 0.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 873rd in population of 1,224 places (US Census Bureau).
- Size percentile: roughly 29% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 31.7514, -96.6522 in the US Census Bureau Gazetteer.
- Nearest larger cities: Dawson, TX (11 mi); Hubbard, TX (11 mi); Mexia, TX (11 mi); Wortham, TX (12 mi); Groesbeck, TX (17 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Tehuacana, TX (7 mi); Mount Calm, TX (13 mi); Penelope, TX (18 mi), each a US Census place.
What a personal loan costs in Coolidge
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Coolidge
The table carries the Texas rate and licensing rules that apply to consumer loans made in Coolidge.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 status | Legal 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 licensing | License 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 |
How to compare offers in Coolidge
Here is a short checklist for comparing personal loans in Coolidge:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.