Personal loans in Peaster, TX
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Peaster's 615 residents. Peaster is home to roughly 615 people and stands 932nd by size out of 1,224 Census places in Texas.
For a borrower among the roughly 615 residents of Peaster, a personal loan is a tool whose cost turns on the terms, not the address. Peaster added about 10.2% to its population between the 2020 base and the 2023 estimate. Judge Peaster offers on total cost, not on how quickly the money arrives. A larger market lies at Weatherford, TX about 9 miles away.
The Peaster data picture
Here is the sourced Census picture for Peaster, plus the Texas lending rules that apply to a loan taken out here.
- Population: an estimated 615 residents, 932nd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 10.2% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a gain of about 57 residents.
- Size percentile: roughly 24% of Texas's places have fewer residents than Peaster's 615.
- Population density: 271 people per square mile on 2.3 square miles of land.
- By land area: Peaster ranks 637th among Texas's 1,224 places, at 2.3 sq mi.
- Within Texas: about 0.0% of the state's population lives in Peaster.
- National rank: Peaster is 12,321st of 19,457 places nationwide.
- Growth rank: Peaster's 2020-to-2023 change ranks 217th of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Peaster moved 10.2%.
- Density in Texas: Peaster ranks 1,059th by people per square mile.
- Density in context: Peaster's 271 people per square mile sit against a Texas median of 840.
- Location: 32.8533, -97.8722 (US Census Bureau Gazetteer).
- Nearest larger cities: Weatherford (9 mi); Mineral Wells (12 mi); Hudson Oaks (12 mi); Springtown (14 mi); Willow Park (15 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Cool (9 mi); Millsap (11 mi); Annetta North (17 mi).
- Smaller places within 50 miles: 16 of them.
- Within 100 miles: 259 places are larger than Peaster.
What is available to Peaster borrowers
At roughly 271 people per square mile, Peaster is lightly settled; 85 larger places lie within 50 miles. Lenders licensed in Texas reach Peaster's 615 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Weatherford, TX about 9 miles away.
Before you apply in Peaster
These steps shape the offer you get in Peaster, a place of about 615 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Texas licence with the regulator listed on this page.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
None of these steps is Peaster-specific: the same Texas licensing and disclosure rules reach all 615 residents.
Texas consumer-lending rules applied in Peaster
Texas has no separate rate rule for Peaster; the sourced rows below are what reach every lender that serves its 615 people.
| 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 |
| 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 |
| 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 |
Where Peaster sits
The Census Gazetteer records about 2.3 square miles of land within Peaster, with no significant water area listed. The resulting density is about 271 people per square mile. For the state's biggest city, Houston, the distance is roughly 258 miles. Counting outward 50 miles, 85 larger communities surround Peaster. Within the same 50 miles lie 16 smaller Census places.
How Peaster compares across Texas
Against Texas's other places, Peaster accounts for about 0.0% of the state's population and ranks 932nd of 1,224 by size. On the 2020-to-2023 trend, Peaster stands 217th among Texas's 1,224 places — roughly the 82th percentile. By density, at about 271 people per square mile, it ranks 1,059th in Texas. Between 2020 and 2023 the count changed by roughly 57 residents.
Common questions
What are my options in Peaster if my credit is poor?
What loan size can I expect in Peaster?
Do I have to pledge anything to borrow in Peaster?
Does comparing loans in Peaster cost me credit score points?
Nearby places
- Weatherford, TX — population 38,109
- Cool, TX — population 230
- Millsap, TX — population 414
- Hudson Oaks, TX — population 2,656
- Mineral Wells, TX — population 15,454
- Springtown, TX — population 4,181
- Willow Park, TX — population 6,630
- Annetta, TX — population 3,385