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Personal loans in Windom, TX

A personal loan in Windom is an unsecured installment loan for consolidation or a planned expense, and what it costs follows your credit, income and debts. The Census counts about 196 residents in Windom, ranking it 1,160th among the 1,224 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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Windom at a glance

  • Population: about 196, 1,160th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 count put the population at 190 (US Census Bureau).
  • 2020 to 2023 change: a gain of roughly 3.2% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Texas places: 1,160th largest of 1,224 (US Census Bureau).
  • Size percentile: roughly 5% of Texas's places have fewer residents (US Census Bureau).
  • Coordinates: 33.5648 / -95.9985, per the US Census Bureau Gazetteer.
  • Nearest larger cities (within 120 miles): Dodd City, TX (4 mi); Honey Grove, TX (5 mi); Ladonia, TX (10 mi); Bonham, TX (11 mi); Bailey, TX (13 mi) (US Census Bureau populations).
  • Smaller places close by: Pecan Gap, TX (12 mi); Ravenna, TX (16 mi); Toco, TX (21 mi) (US Census Bureau).

What a personal loan costs in Windom

A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.

Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.

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.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Texas lending rules that apply in Windom

Read the table as the compliance picture for a lender serving Windom: label, sourced figure, publisher and date.

RuleDetailSource
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
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

How to compare offers in Windom

Run through this list before signing anything in Windom:

  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 Windom?
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 Windom are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Windom?
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 Windom 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 Windom 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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