Personal loans in Holliday, TX

Holliday, Texas — home to about 1,650 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. Holliday gained roughly 8.4% in population across the 2020-to-2023 comparison.

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 Census estimates 1,650 residents in Holliday, which ranks it 661st of 1,224 places in Texas. Price two or three terms so you can see which payment is truly affordable in Holliday. Which products a lender may offer to Holliday's 1,650 residents follows from the Texas consumer-lending framework. The nearest larger city is Iowa Park, TX about 10 miles away.

What the Census records for Holliday

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

Borrowing reach in Holliday

At roughly 660 people per square mile, Holliday is moderately settled; 12 larger places lie within 50 miles. What is available to Holliday's 1,650 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Iowa Park, TX about 10 miles away.

What shapes a Holliday personal loan

A Holliday personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,650 residents. A lender serving Holliday's 1,650 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Holliday decides the split between a comfortable payment and the total interest you pay.

The Texas lending rules that reach Holliday

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Holliday 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
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
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

How Holliday compares across Texas

Against Texas's other places, Holliday accounts for about 0.0% of the state's population and ranks 661st of 1,224 by size. Its 2020-to-2023 change ranks 278th of 1,224 Texas places, putting it near the 77th percentile for growth. Its roughly 660 residents per square mile place it 758th among Texas's places. Between 2020 and 2023 the count changed by roughly 128 residents.

Holliday on the map

Holliday covers about 2.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 660 people per square mile. Houston, the largest place in Texas, is about 339 miles from Holliday. A 50-mile radius around Holliday takes in 12 places that are larger. Within the same 50 miles lie 28 smaller Census places.

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