White Settlement at a glance
- Population: the Census estimates 18,005 residents, ranking 165th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 18,290 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a decline of roughly 1.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 165th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 87% of the Census places in Texas (US Census Bureau).
- Coordinates: it sits at 32.7551, -97.4607 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Benbrook, TX (5 mi); Fort Worth, TX (7 mi); Saginaw, TX (9 mi); Haltom City, TX (12 mi); Crowley, TX (14 mi) (US Census Bureau).
- Nearest smaller towns: Westworth Village, TX (2 mi); Westover Hills, TX (3 mi); River Oaks, TX (4 mi) (US Census Bureau).
What a personal loan costs in White Settlement
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 White Settlement
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 White Settlement
These steps are the ones that most affect the offer you receive in White Settlement:
- 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.