Woodloch at a glance
- Population: 178 residents, the 1,173rd-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 185 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 3.8% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 1,173rd of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 4% of Texas places in population terms (US Census Bureau).
- Coordinates: 30.2172, -95.4130 (US Census Bureau Gazetteer).
- Nearest larger cities: Shenandoah, TX (3 mi); Oak Ridge North, TX (5 mi); Conroe, TX (9 mi); Cut and Shoot, TX (9 mi); Panorama Village, TX (12 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Todd Mission, TX (25 mi); Dayton Lakes, TX (36 mi); Seven Oaks, TX (55 mi), each a US Census place.
What a personal loan costs in Woodloch
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Woodloch
The table carries the Texas rate and licensing rules that apply to consumer loans made in Woodloch.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Woodloch
Run through this list before signing anything in Woodloch:
- 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.