Whiteface at a glance
- Population: 365, the 1,049th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 378 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 3.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 1,049th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: about 14% of places in Texas are smaller (US Census Bureau).
- Coordinates: 33.5996 / -102.6134, per the US Census Bureau Gazetteer.
- Nearest larger cities: Morton, TX (12 mi); Sundown, TX (12 mi); Levelland, TX (14 mi); Smyer, TX (26 mi); Littlefield, TX (27 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Opdyke West, TX (18 mi); Causey, NM (35 mi); Wellman, TX (40 mi) — US Census Bureau populations.
What a personal loan costs in Whiteface
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Whiteface
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Whiteface.
| 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 Whiteface
Here is a short checklist for comparing personal loans in Whiteface:
- 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.