Willow Park at a glance
- Population: 6,630 (US Census Bureau, Vintage 2023 subcounty estimate), the 317th-largest of 1,224 places in Texas.
- 2020 Census base: 4,935 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 34.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 317th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 74% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: latitude 32.7539, longitude -97.6502 (US Census Bureau Gazetteer).
- Nearest larger cities: Weatherford, TX (7 mi); White Settlement, TX (11 mi); Azle, TX (12 mi); Benbrook, TX (12 mi); River Oaks, TX (15 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Annetta North, TX (3 mi); Hudson Oaks, TX (3 mi); Annetta, TX (4 mi) (US Census Bureau).
What a personal loan costs in Willow Park
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 offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Willow Park
The Texas rate caps and licensing rules that reach Willow Park are listed below, each with its source and retrieval date.
| 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 Willow Park
A few practical steps will make the process in Willow Park 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.