Personal loans in Oak Grove, TX

A lender serving Oak Grove holds a Texas licence and answers to a Texas regulator; no city office is involved for its 819 residents. Oak Grove gained roughly 25.2% in population across the 2020-to-2023 comparison.

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.

Oak Grove is one of 1,224 Census places in Texas; its 819 residents put it at 861st. Decide the purpose of the loan and your repayment plan before sharing any details with a Oak Grove lender. To lend to Oak Grove's 819 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. For a bigger market, look to Kaufman, TX about 3 miles away.

Oak Grove: population, trend and location

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

The anatomy of a Oak Grove personal loan

In Oak Grove, a small community of about 819, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Oak Grove can be quoted different APRs on the same amount and term. The term you choose in Oak Grove decides the split between a comfortable payment and the total interest you pay.

How lenders reach Oak Grove

With about 410 residents per square mile, Oak Grove is lightly settled, and 96 larger Census places sit within 50 miles. A Texas licence lets a lender serve Oak Grove without a local office, so branch density does not change what its 819 residents are offered. The nearest bigger place is Kaufman, TX about 3 miles away.

Where Oak Grove sits

Inside Oak Grove's boundaries lie about 2.0 square miles of land, with no significant water area recorded. Spread across it are roughly 410 residents per square mile. The largest place in Texas, Houston, lies about 198 miles away. Oak Grove has 96 larger places within a 50-mile radius. The 100-mile radius contains 291 larger places.

The Texas lending rules that reach Oak Grove

For the roughly 819 residents of Oak Grove, the rules below are Texas's own; each row carries its publisher and retrieval date.

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

Oak Grove's place among Texas's 1,224 places

Against Texas's other places, Oak Grove accounts for about 0.0% of the state's population and ranks 861st of 1,224 by size. On the 2020-to-2023 trend, Oak Grove stands 63rd among Texas's 1,224 places — roughly the 95th percentile. Its roughly 410 residents per square mile place it 954th among Texas's places. In land area, Oak Grove ranks 710th among Texas's 1,224 places.

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