Lindale at a glance
- Population: roughly 6,923 people; 310th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 6,048 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 14.5% since the 2020 count (US Census Bureau).
- Rank among Texas places: 310th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 75% of the Census places in Texas (US Census Bureau).
- Coordinates: 32.4941 / -95.4073, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Tyler, TX (14 mi); Whitehouse, TX (22 mi); Athens, TX (32 mi); Kilgore, TX (33 mi); Longview, TX (38 mi) (US Census Bureau).
- Smaller places nearby: Hideaway, TX (3 mi); Mineola, TX (12 mi); Winona, TX (13 mi), per US Census Bureau estimates.
What a personal loan costs in Lindale
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Lindale
The table carries the Texas rate and licensing rules that apply to consumer loans made in Lindale.
| 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 Lindale
These steps are the ones that most affect the offer you receive in Lindale:
- 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.