Personal loans in Holland, TX

The Census counts 1,123 people in Holland, the 771st-largest figure among Texas's 1,224 places. A personal loan in Holland is priced from your credit file and income, not from the fact that the city holds 1,123 people.

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

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.

Verify the lender's Texas licence against the regulator named below before borrowing in Holland. A single loan can carry different costs on either side of a state line, and Holland sits on the Texas side of that line. The trend for Holland between 2020 and 2023 is upward by roughly 4.3%. The nearest larger metro is Bartlett, TX about 7 miles away.

Holland by the numbers

What follows is Holland's place in the Census record, alongside the Texas rules that govern a personal loan made here.

Holland: area, density and distance

Holland covers about 1.6 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 683 residents per square mile. For the state's biggest city, Houston, the distance is roughly 142 miles. Within 50 miles of Holland there are 51 larger Census places. The 100-mile radius contains 124 larger places.

Borrowing reach in Holland

At roughly 683 people per square mile, Holland is moderately settled; 51 larger places lie within 50 miles. Whether Holland has a local branch or not, a Texas-licensed lender can serve its 1,123 people online on the same terms. For a larger market, the closest option is Bartlett, TX about 7 miles away.

How Holland compares across Texas

Set beside Texas's 1,224 places, Holland ranks 771st by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 481st of 1,224 Texas places, putting it near the 61th percentile for growth. By density, at about 683 people per square mile, it ranks 738th in Texas. Between 2020 and 2023 the count changed by roughly 46 residents.

The Texas lending rules that reach Holland

These are Texas's sourced lending facts as they reach Holland's 1,123 residents; the state has no city-level rate rule.

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

The anatomy of a Holland personal loan

Most loans made to Holland's 1,123 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Holland. Because the payment is fixed, the total cost of a Holland loan is knowable in advance — unlike a revolving card balance.

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 Holland 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 Holland is the same as anywhere in Texas.
What loan size can I expect in Holland?
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 Holland?
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 Holland 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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