Holliday at a glance
- Population: a Census-estimated 1,650, placing it 661st among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,522 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 8.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 661st of the state's 1,224 Census places (US Census Bureau).
- Size percentile: about 46% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 33.8143, -98.6896 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Iowa Park, TX (10 mi); Wichita Falls, TX (11 mi); Burkburnett, TX (19 mi); Electra, TX (20 mi); Henrietta, TX (29 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Lakeside City, TX (9 mi); Pleasant Valley, TX (10 mi); Archer City, TX (16 mi), each a US Census place.
What a personal loan costs in Holliday
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Holliday
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Holliday
The order below is a sensible way to approach a loan in Holliday:
- 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.