Windthorst at a glance
- Population: the Census estimates 352 residents, ranking 1,061st of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 342 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 2.9% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: the 1,061st-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 13% of the Census places in Texas (US Census Bureau).
- Coordinates: latitude 33.5770, longitude -98.4349 (US Census Bureau Gazetteer).
- Nearest larger cities: Scotland, TX (5 mi); Archer City, TX (11 mi); Lakeside City, TX (18 mi); Henrietta, TX (22 mi); Holliday, TX (22 mi), each a US Census place with its estimated population.
- Nearest smaller places: Jolly, TX (21 mi); Bellevue, TX (24 mi); Megargel, TX (30 mi) (US Census Bureau estimates).
What a personal loan costs in Windthorst
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Windthorst
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Windthorst
Here is a short checklist for comparing personal loans in Windthorst:
- 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.