Personal loans in Groveton, TX

For the 934 people in Groveton, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. An estimated 934 people make their home in Groveton, a figure that ranks 821st in Texas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The roughly 934 people who live in Groveton borrow under Texas rules; city hall sets no personal-loan rate. From the 2020 Census base to the 2023 estimate, the population rose by about 2.2%. Judge Groveton offers on total cost, not on how quickly the money arrives. The nearest larger metro is Onalaska, TX about 16 miles away.

Borrowing in Groveton: the local picture

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

Groveton: area, density and distance

Groveton covers about 2.6 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). That land carries about 362 people per square mile. Houston, the largest place in Texas, is about 89 miles from Groveton. A 50-mile radius around Groveton takes in 21 places that are larger. The 100-mile radius contains 121 larger places.

Borrowing reach in Groveton

Groveton is lightly settled, with about 362 people per square mile and 21 larger places within 50 miles. What is available to Groveton's 934 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Onalaska, TX about 16 miles away.

The Texas lending rules that reach Groveton

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Groveton lender must follow.

RuleDetailSource
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
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

Groveton's place among Texas's 1,224 places

Within Texas, Groveton holds roughly 0.0% of all residents, the 821st-largest share among 1,224 places. Its 2020-to-2023 change ranks 625th of 1,224 Texas places, putting it near the 49th percentile for growth. By density, at about 362 people per square mile, it ranks 988th in Texas. The population moved by about 20 people between 2020 and 2023, a 2.2% shift.

What shapes a Groveton personal loan

Groveton is a small community of about 934 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Groveton loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Groveton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Groveton if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Groveton is the same as anywhere in Texas.
What loan size can I expect in Groveton?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Groveton?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Groveton cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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