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Personal loans in Moran, TX

For residents of Moran, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census counts about 235 residents in Moran, ranking it 1,135th among the 1,224 places in Texas. The table below carries the Texas rate caps and licensing rules that apply to a personal loan taken out here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Moran at a glance

  • Population: 235 (US Census Bureau, Vintage 2023 subcounty estimate), the 1,135th-largest of 1,224 places in Texas.
  • 2020 Census base: 227 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: up roughly 3.5% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Texas places: 1,135th out of 1,224 Census places (US Census Bureau).
  • Size percentile: it exceeds roughly 7% of Texas's Census places by population (US Census Bureau).
  • Coordinates: the Census Gazetteer places it at 32.5472, -99.1665.
  • Nearest larger cities: Albany, TX (15 mi); Cisco, TX (15 mi); Baird, TX (17 mi); Breckenridge, TX (21 mi); Clyde, TX (22 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places nearby: Putnam, TX (12 mi); Woodson, TX (33 mi); Impact, TX (34 mi), per US Census Bureau estimates.

What a personal loan costs in Moran

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.

The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.

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 Moran

The table lists the Texas rules that apply to a loan made in Moran, each with the regulator that published it.

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 Moran

Here is a short checklist for comparing personal loans in Moran:

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