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Personal loans in Lake Worth, TX

A personal loan in Lake Worth is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. Lake Worth's Census population of roughly 4,616 makes it the 389th-largest of 1,224 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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Lake Worth at a glance

  • Population: 4,616 residents, the 389th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 Census recorded 4,710 residents here (US Census Bureau).
  • 2020 to 2023 change: population fell about 2.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Texas places: 389th largest of 1,224 (US Census Bureau).
  • Size percentile: roughly 68% of places in Texas rank below it by population (US Census Bureau).
  • Coordinates: latitude 32.8130, longitude -97.4305 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Sansom Park, TX (2 mi); River Oaks, TX (3 mi); White Settlement, TX (4 mi); Fort Worth, TX (5 mi); Saginaw, TX (5 mi) (US Census Bureau populations).
  • Nearest smaller places: Lakeside, TX (3 mi); Westworth Village, TX (4 mi); Westover Hills, TX (5 mi) (US Census Bureau estimates).

What a personal loan costs in Lake Worth

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.

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

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

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 Lake Worth

The table carries the Texas rate and licensing rules that apply to consumer loans made in Lake Worth.

RuleDetailSource
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
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

How to compare offers in Lake Worth

The order below is a sensible way to approach a loan in Lake Worth:

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