Shenandoah at a glance
- Population: 3,807, the 430th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,490 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 9.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 430th by size among 1,224 communities (US Census Bureau).
- Size percentile: ahead of around 65% of Texas places in population terms (US Census Bureau).
- Coordinates: it sits at 30.1840, -95.4557 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Conroe, TX (10 mi); Tomball, TX (12 mi); Magnolia, TX (17 mi); Willis, TX (17 mi); Humble, TX (18 mi) (US Census Bureau).
- Smaller towns nearby: Oak Ridge North, TX (2 mi); Woodloch, TX (3 mi); Cut and Shoot, TX (12 mi) (US Census Bureau).
What a personal loan costs in Shenandoah
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Shenandoah
The table lists the Texas rules that apply to a loan made in Shenandoah, each with the regulator that published it.
| 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 Shenandoah
The order below is a sensible way to approach a loan in Shenandoah:
- 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.