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Personal loans in Lake Worth, TX

A single loan can carry different costs on either side of a state line, and Lake Worth sits on the Texas side of that line. With 4,616 residents, Lake Worth outranks about 68% of the communities in Texas. Two households in Lake Worth with comparable incomes can still be offered different rates; the city's 4,616 residents are not the reason. Census figures put the 2020-to-2023 decrease in Lake Worth at about 2.0%. Pull your credit reports and line up at least three offers before you apply from Lake Worth. The closest larger place is Sansom Park, TX about 2 miles away.

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.

Lake Worth: population, trend and location

The figures below are Lake Worth's own — Census population, land area and coordinates — followed by the Texas rules.

How lenders reach Lake Worth

Lake Worth is a moderately settled community of about 4,616 people, with 87 larger places inside a 50-mile radius. What is available to Lake Worth's 4,616 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Sansom Park, TX about 2 miles away.

How Lake Worth compares across Texas

Within Texas, Lake Worth holds roughly 0.0% of all residents, the 389th-largest share among 1,224 places. For population change between 2020 and 2023, Lake Worth ranks 1,045th of 1,224 in Texas (about the 15th percentile). Its roughly 1,873 residents per square mile place it 197th among Texas's places. Between 2020 and 2023 the count changed by roughly 94 residents.

How Texas law applies in Lake Worth

The rows below set out what a licensed lender must follow in Texas, and so for Lake Worth's roughly 4,616 residents.

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

Steps to take before a Lake Worth loan

Before you hand your details to a lender in Lake Worth, where the population is near 4,616:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

What differs between Lake Worth and the rest of Texas is not the process but the borrower's own file, among the 4,616 people here.

How personal loans work in Lake Worth

In Lake Worth, a small community of about 4,616, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Lake Worth's rank of 389th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Lake Worth loan is knowable in advance — unlike a revolving card balance.

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