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Personal loans in Union Grove, TX

A personal loan in Union Grove is an unsecured installment loan for consolidation or a planned expense, and what it costs follows your credit, income and debts. About 467 people live in Union Grove, which ranks 994th of 1,224 Census places in Texas. The sourced table below shows the Texas rate caps and licensing requirements that reach every loan made here.

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

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Union Grove at a glance

  • Population: the Census estimates 467 residents, ranking 994th of 1,224 places in Texas (Vintage 2023).
  • 2020 Census base: 446 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: population rose about 4.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Texas places: 994th of 1,224 by population (US Census Bureau, Vintage 2023).
  • Size percentile: roughly 19% of Texas's places have fewer residents (US Census Bureau).
  • Coordinates: mapped at 32.5750, -94.9151 by the US Census Bureau Gazetteer.
  • Nearest larger cities: Gladewater, TX (3 mi); Clarksville City, TX (3 mi); East Mountain, TX (3 mi); White Oak, TX (5 mi); Longview, TX (10 mi); each population is a US Census Bureau estimate.
  • Smaller places nearby: Warren City, TX (2 mi); Avinger, TX (31 mi); Rocky Mound, TX (31 mi), per US Census Bureau estimates.

What a personal loan costs in Union Grove

Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.

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 longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.

Texas lending rules that apply in Union Grove

Where a figure is not published by the state, the row points to the source instead of guessing.

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 Union Grove

The order below is a sensible way to approach a loan in Union Grove:

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