Coldspring at a glance
- Population: 866 people, the 845th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 820 (US Census Bureau).
- 2020 to 2023 change: up about 5.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: the 845th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 31% of Texas places in population terms (US Census Bureau).
- Coordinates: 30.5893, -95.1312 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Shepherd, TX (10 mi); Livingston, TX (14 mi); Onalaska, TX (16 mi); Cleveland, TX (18 mi); New Waverly, TX (21 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Goodrich, TX (11 mi); Point Blank, TX (12 mi); North Cleveland, TX (16 mi) (US Census Bureau estimates).
What a personal loan costs in Coldspring
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Coldspring
The table carries the Texas rate and licensing rules that apply to consumer loans made in Coldspring.
| 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 Coldspring
Run through this list before signing anything in Coldspring:
- 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.