Woodbranch at a glance
- Population: the Census estimates 1,535 residents, ranking 683rd of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 1,333 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 15.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 683rd of the state's 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 44% of Texas places in population terms (US Census Bureau).
- Coordinates: 30.1813 latitude, -95.1836 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Patton Village, TX (2 mi); Roman Forest, TX (2 mi); Splendora, TX (3 mi); Cleveland, TX (12 mi); Humble, TX (14 mi) (US Census Bureau populations).
- Nearest smaller places: Plum Grove, TX (5 mi); North Cleveland, TX (13 mi); Woodloch, TX (14 mi) (US Census Bureau estimates).
What a personal loan costs in Woodbranch
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Woodbranch
The table carries the Texas rate and licensing rules that apply to consumer loans made in Woodbranch.
| 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 Woodbranch
The order below is a sensible way to approach a loan in Woodbranch:
- 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.