Personal loans in Pinehurst, TX
The roughly 2,226 people who live in Pinehurst borrow under Texas rules; city hall sets no personal-loan rate. At about 2,226 residents, Pinehurst is larger than roughly 53% of the places in Texas.
A 2020-to-2023 comparison shows Pinehurst down by about 0.1%. Decide the purpose of the loan and your repayment plan before sharing any details with a Pinehurst lender. A larger market lies at Orange, TX about 2 miles away. A single loan can carry different costs on either side of a state line, and Pinehurst sits on the Texas side of that line.
Pinehurst: population, trend and location
Pinehurst is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 2,226 people, a figure that places Pinehurst 573rd among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 0.1% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
- Size percentile: Pinehurst's 2,226 people outrank roughly 53% of the places in Texas.
- Density: roughly 1,303 residents per square mile, spread over 1.7 sq mi of land.
- Land area: Pinehurst covers 1.7 square miles, the 794th-largest area among Texas's 1,224 places.
- Share of Texas: Pinehurst holds about 0.0% of the state's population, some 2,226 people.
- National rank: Pinehurst is 7,242nd of 19,457 places nationwide.
- Growth rank: Pinehurst's 2020-to-2023 change ranks 873rd of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Pinehurst moved 0.1%.
- Density rank: Pinehurst places 350th among Texas's places by people per square mile.
- Density in context: Pinehurst's 1,303 people per square mile sit against a Texas median of 840.
- Location: the Census Gazetteer records it at 30.1074, -93.7723.
- Nearest larger cities: Orange (2 mi); West Orange (2 mi); Bridge City (7 mi); Vinton (13 mi); Vidor (13 mi). Living near a larger metro rarely changes what is available in Pinehurst.
- Smaller communities within reach: Pine Forest (16 mi); Rose City (17 mi); Rose Hill Acres (26 mi).
- Within a 50-mile radius: 12 smaller Census places.
- At 100 miles: 68 larger Census places fall inside that radius.
The anatomy of a Pinehurst personal loan
A Pinehurst personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,226 residents. Because pricing is borrower-level, two people in Pinehurst can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Pinehurst loan but raises total interest, so the smallest payment is not the cheapest loan.
Pinehurst in state context
Set beside Texas's 1,224 places, Pinehurst ranks 573rd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Pinehurst ranks 873rd of 1,224 in Texas (about the 29th percentile). By density, at about 1,303 people per square mile, it ranks 350th in Texas. In land area, Pinehurst ranks 794th among Texas's 1,224 places.
The Pinehurst borrowing checklist
Complete these steps first when you borrow in Pinehurst (2,226 residents):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Use the loan calculator to test the payment on your intended amount and term.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Verify the lender's Texas licence with the regulator listed on this page.
- Borrow only what the purpose requires, not the maximum you are offered.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
None of these steps is Pinehurst-specific: the same Texas licensing and disclosure rules reach all 2,226 residents.
Texas consumer-lending rules applied in Pinehurst
These are Texas's sourced lending facts as they reach Pinehurst's 2,226 residents; the state has no city-level rate rule.
| 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 |
| 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 |
| 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 |
Pinehurst on the map
Pinehurst covers about 1.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 2,226 residents, the land area yields roughly 1,303 people per square mile. Houston, the largest place in Texas, is about 99 miles from Pinehurst. Pinehurst has 17 larger places within a 50-mile radius. Within the same 50 miles lie 12 smaller Census places.
Common questions
What are my options in Pinehurst if my credit is poor?
What loan size can I expect in Pinehurst?
Do I have to pledge anything to borrow in Pinehurst?
Does comparing loans in Pinehurst cost me credit score points?
Nearby places
- Orange, TX — population 19,108
- West Orange, TX — population 3,425
- Bridge City, TX — population 9,666
- Vinton, LA — population 3,103
- Groves, TX — population 16,764
- Vidor, TX — population 9,738
- Port Neches, TX — population 13,591
- Port Arthur, TX — population 55,547