Onalaska at a glance
- Population: 3,224, the 470th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,042 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 6.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: the 470th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 62% of the Census places in Texas (US Census Bureau).
- Coordinates: it sits at 30.8238, -95.1107 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Livingston, TX (13 mi); Huntsville, TX (28 mi); Diboll, TX (32 mi); Cleveland, TX (34 mi); Willis, TX (35 mi) (US Census Bureau populations).
- Smaller places close by: Point Blank, TX (8 mi); Seven Oaks, TX (15 mi); Groveton, TX (16 mi) (US Census Bureau).
What a personal loan costs in Onalaska
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Onalaska
The table carries the Texas rate and licensing rules that apply to consumer loans made in Onalaska.
| 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 Onalaska
Before you commit to a personal loan in Onalaska, work through these steps:
- 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.