Whitehouse at a glance
- Population: about 9,571 residents, ranking 255th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 8,256 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 15.9% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 255th by size among 1,224 communities (US Census Bureau).
- Size percentile: it exceeds roughly 79% of Texas's Census places by population (US Census Bureau).
- Coordinates: 32.2217, -95.2207 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Tyler, TX (8 mi); Jacksonville, TX (18 mi); Kilgore, TX (24 mi); Henderson, TX (25 mi); Longview, TX (34 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: New Chapel Hill, TX (6 mi); Troup, TX (8 mi); Bullard, TX (8 mi) — US Census Bureau populations.
What a personal loan costs in Whitehouse
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Whitehouse
Read the table as the compliance picture for a lender serving Whitehouse: label, sourced figure, publisher and date.
| 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 Whitehouse
The steps below are worth completing first when you borrow in Whitehouse:
- 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.