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Personal loans in Holiday Lakes, TX

For residents of Holiday Lakes, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. With roughly 1,053 people, Holiday Lakes ranks 785th of 1,224 Census places in Texas. Texas's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Holiday Lakes at a glance

  • Population: 1,053 residents, the 785th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 Census recorded 989 residents here (US Census Bureau).
  • 2020 to 2023 change: up roughly 6.5% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among Texas places: 785th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: larger than about 36% of the Census places in Texas (US Census Bureau).
  • Coordinates: it sits at 29.2072, -95.5153 in the US Census Bureau Gazetteer.
  • Nearest larger cities (120-mile radius): Angleton, TX (6 mi); West Columbia, TX (9 mi); Danbury, TX (10 mi); Lake Jackson, TX (11 mi); Brazoria, TX (12 mi) (US Census Bureau).
  • Nearest smaller places: Bailey's Prairie, TX (4 mi); Bonney, TX (8 mi); Sandy Point, TX (14 mi) (US Census Bureau estimates).

What a personal loan costs in Holiday Lakes

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.

Texas lending rules that apply in Holiday Lakes

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.

RuleDetailSource
State lending regulatorTexas 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 statusLegal 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 licensingLicense 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 Holiday Lakes

These steps are the ones that most affect the offer you receive in Holiday Lakes:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Holiday Lakes?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Holiday Lakes are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Holiday Lakes?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Holiday Lakes require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Holiday Lakes hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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