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Personal loans in Forest Hill, TX

For a borrower in Forest Hill, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. About 14,157 people live in Forest Hill, which ranks 200th of 1,224 Census places in Texas. Lenders in Texas work under state rate caps and licensing rules, each listed with its publisher in the table below.

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

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Forest Hill at a glance

  • Population: 14,157 people, the 200th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 13,951 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: up roughly 1.5% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Texas places: 200th largest of 1,224 (US Census Bureau).
  • Size percentile: it exceeds roughly 84% of Texas's Census places by population (US Census Bureau).
  • Coordinates: mapped at 32.6619, -97.2662 by the US Census Bureau Gazetteer.
  • Nearest larger cities (within 120 miles): Crowley, TX (8 mi); Arlington, TX (9 mi); Fort Worth, TX (10 mi); Mansfield, TX (11 mi); Burleson, TX (11 mi) (US Census Bureau populations).
  • Smaller towns nearby: Everman, TX (3 mi); Kennedale, TX (3 mi); Edgecliff Village, TX (4 mi) (US Census Bureau).

What a personal loan costs in Forest Hill

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

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

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

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 Forest Hill

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

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 Forest Hill

Here is a short checklist for comparing personal loans in Forest Hill:

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