Goodlow at a glance
- Population: about 174, 1,175th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 174 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
- Rank among Texas places: 1,175th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 4% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 32.1084, -96.2156 by the US Census Bureau Gazetteer.
- Nearest larger cities: Kerens, TX (2 mi); Trinidad, TX (7 mi); Mildred, TX (8 mi); Eureka, TX (8 mi); Star Harbor, TX (11 mi), each a US Census place with its estimated population.
- Smaller places close by: Powell, TX (6 mi); Kirvin, TX (25 mi); Moore Station, TX (38 mi) (US Census Bureau).
What a personal loan costs in Goodlow
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our 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.
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 Goodlow
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Goodlow
A few practical steps will make the process in Goodlow less costly:
- 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.