Hudson Oaks at a glance
- Population: 2,656 residents, the 521st-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 2,169 (US Census Bureau).
- 2020 to 2023 change: about 22.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 521st largest of 1,224 (US Census Bureau).
- Size percentile: about 57% of places in Texas are smaller (US Census Bureau).
- Coordinates: 32.7510, -97.7004 (US Census Bureau Gazetteer).
- Nearest larger cities: Willow Park, TX (3 mi); Annetta, TX (4 mi); Weatherford, TX (4 mi); Aledo, TX (6 mi); Azle, TX (14 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Annetta North, TX (4 mi); Annetta South, TX (7 mi); Peaster, TX (12 mi) (US Census Bureau).
What a personal loan costs in Hudson Oaks
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Hudson Oaks
The table lists the Texas rules that apply to a loan made in Hudson Oaks, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hudson Oaks
Before you share your details with a lender in Hudson Oaks:
- 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.