Goldthwaite at a glance
- Population: about 1,762 residents, ranking 646th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,732 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 1.7% since the 2020 count (US Census Bureau).
- Rank among Texas places: 646th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 47% of Texas places in population terms (US Census Bureau).
- Coordinates: latitude 31.4508, longitude -98.5735 (US Census Bureau Gazetteer).
- Nearest larger cities: San Saba, TX (20 mi); Early, TX (29 mi); Brownwood, TX (30 mi); Comanche, TX (31 mi); Hamilton, TX (32 mi); US Census Bureau population estimates.
- Nearest smaller towns: Mullin, TX (9 mi); Lometa, TX (19 mi); Evant, TX (25 mi) — US Census Bureau populations.
What a personal loan costs in Goldthwaite
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.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Goldthwaite
Read the table as the compliance picture for a lender serving Goldthwaite: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Goldthwaite
Run through this list before signing anything in Goldthwaite:
- 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.