Goodrich at a glance
- Population: 278, the 1,104th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 248 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 12.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 1,104th largest of 1,224 (US Census Bureau).
- Size percentile: ahead of around 10% of Texas places in population terms (US Census Bureau).
- Coordinates: 30.6093, -94.9466 (US Census Bureau Gazetteer).
- Nearest larger cities: Livingston, TX (7 mi); Shepherd, TX (9 mi); Coldspring, TX (11 mi); Onalaska, TX (18 mi); Point Blank, TX (19 mi); US Census Bureau population estimates.
- Nearest smaller towns: Seven Oaks, TX (18 mi); North Cleveland, TX (19 mi); Chester, TX (30 mi) — US Census Bureau populations.
What a personal loan costs in Goodrich
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Goodrich
The table lists the Texas rules that apply to a loan made in Goodrich, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Goodrich
Here is a short checklist for comparing personal loans in Goodrich:
- 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.