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.
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.
- Population: about 819, ranked 861st of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: A gain of roughly 25.2% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 165 residents.
- Size percentile: roughly 30% of Texas's places have fewer residents than Oak Grove's 819.
- Population density: about 410 people per square mile across 2.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Oak Grove ranks 710th among Texas's 1,224 places, at 2.0 sq mi.
- State population share: Oak Grove accounts for about 0.0% of everyone in Texas.
- National rank: Oak Grove is the 11,082nd most populous of the 19,457 Census places covered here.
- Growth rank: Oak Grove ranks 63rd among Texas's 1,224 places for the 2020-to-2023 change.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Oak Grove's 25.2%.
- Density in Texas: Oak Grove ranks 954th by people per square mile.
- Density vs Texas: Oak Grove's 410 people per square mile compare with a state median of 840.
- Location: latitude 32.5332, longitude -96.3186 (Census Gazetteer).
- Nearest larger cities: Kaufman (3 mi); Scurry (4 mi); Post Oak Bend (7 mi); Oak Ridge (7 mi); Kemp (9 mi). Online lenders reach Oak Grove no matter how far the nearest branch is.
- Nearest smaller towns: Grays Prairie (5 mi); Cottonwood (7 mi); Rosser (9 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 41 of them.
- Larger places within 100 miles: 291.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 status | Legal 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 licensing | License 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.
Common questions
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Nearby places
- Kaufman, TX — population 9,201
- Grays Prairie, TX — population 392
- Scurry, TX — population 829
- Post Oak Bend, TX — population 888
- Oak Ridge, TX — population 1,293
- Cottonwood, TX — population 236
- Kemp, TX — population 1,348
- Crandall, TX — population 4,995