Wilson at a glance
- Population: about 446 residents, ranking 1,008th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 437 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 2.1% since the 2020 count (US Census Bureau).
- Rank among Texas places: 1,008th in population of 1,224 places (US Census Bureau).
- Size percentile: larger than about 18% of the Census places in Texas (US Census Bureau).
- Coordinates: 33.3193 / -101.7275, per the US Census Bureau Gazetteer.
- Nearest larger cities: Slaton, TX (10 mi); Tahoka, TX (11 mi); Ransom Canyon, TX (15 mi); Buffalo Springs Lake, TX (15 mi); Lubbock, TX (19 mi), each a US Census place with its estimated population.
- Smaller places nearby: New Home, TX (11 mi); Smyer, TX (31 mi); Opdyke West, TX (38 mi), per US Census Bureau estimates.
What a personal loan costs in Wilson
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
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.
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 Wilson
The table carries the Texas rate and licensing rules that apply to consumer loans made in Wilson.
| 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 Wilson
These steps are the ones that most affect the offer you receive in Wilson:
- 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.