Pinehurst at a glance
- Population: about 2,226, 573rd by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,228 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 0.1% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 573rd by size among 1,224 communities (US Census Bureau).
- Size percentile: roughly 53% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: it sits at 30.1074, -93.7723 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Orange, TX (2 mi); West Orange, TX (2 mi); Bridge City, TX (7 mi); Vinton, LA (13 mi); Vidor, TX (13 mi) (US Census Bureau).
- Nearest smaller communities: Pine Forest, TX (16 mi); Rose City, TX (17 mi); Rose Hill Acres, TX (26 mi) (Census populations).
What a personal loan costs in Pinehurst
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Pinehurst
The table lists the Texas rules that apply to a loan made in Pinehurst, each with the regulator that published it.
| 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 Pinehurst
Before you commit to a personal loan in Pinehurst, 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.