Personal loans in Shady Shores, TX
Shady Shores, Texas — home to about 2,957 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. About 2,957 people live in Shady Shores, placing it 497th of 1,224 Census places in Texas.
The closest larger place is Corinth, TX about 2 miles away. The 2020 count to the 2023 estimate shows about 6.9% growth in Shady Shores. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Shady Shores's 2,957 residents. Decide the purpose of the loan and your repayment plan before sharing any details with a Shady Shores lender.
Shady Shores by the numbers
Shady Shores is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 2,957 people live here, which puts Shady Shores 497th of 1,224 Census places in Texas (Vintage 2023).
- Population trend: About 6.9% above the 2020 Census base.
- People gained or lost: about 191 more since the 2020 base.
- Size percentile: bigger than about 59% of the places in Texas, with 2,957 residents in Shady Shores.
- Land and density: 3.2 square miles of land carry roughly 913 residents per square mile.
- Land area rank: Shady Shores's 3.2 square miles rank 503rd of 1,224 places in Texas.
- Share of state population: Shady Shores's 2,957 residents are about 0.0% of Texas.
- Nationally: Shady Shores is the 6,324th-largest of 19,457 Census places in the dataset.
- Growth rank: Shady Shores's 2020-to-2023 change ranks 325th of 1,224 places in Texas.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Shady Shores's 6.9%.
- Density in Texas: Shady Shores ranks 568th by people per square mile.
- Density vs Texas: Shady Shores's 913 people per square mile compare with a state median of 840.
- Location: the Census Gazetteer records it at 33.1621, -97.0350.
- Nearest larger cities: Corinth (2 mi); Lake Dallas (2 mi); Oak Point (3 mi); Hickory Creek (4 mi); Highland Village (5 mi). Online lenders reach Shady Shores no matter how far the nearest branch is.
- Smaller towns nearby: Lakewood Village (4 mi); Cross Roads (5 mi); Copper Canyon (6 mi).
- Smaller neighbours: 68 places smaller than Shady Shores sit within 50 miles.
- Larger places within 100 miles: 159.
Before you apply in Shady Shores
These steps shape the offer you get in Shady Shores, a place of about 2,957 people:
- 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.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Texas licence with the regulator listed on this page.
- Make sure the new payment leaves room in a budget you already keep.
- 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.
In Shady Shores as elsewhere in Texas, the written terms — not the advertisement — are what count for its 2,957 residents.
Land, water and location for Shady Shores
Shady Shores covers about 3.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 913 people per square mile. For the state's biggest city, Houston, the distance is roughly 253 miles. A 50-mile radius around Shady Shores takes in 116 places that are larger. Within the same 50 miles lie 68 smaller Census places.
What Texas law requires in Shady Shores
Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Shady Shores lender must follow.
| 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 |
Lender access in Shady Shores
Shady Shores is a moderately settled community of about 2,957 people, with 116 larger places inside a 50-mile radius. A Texas licence lets a lender serve Shady Shores without a local office, so branch density does not change what its 2,957 residents are offered. The nearest larger city, Corinth, TX about 2 miles away.
Shady Shores in state context
Shady Shores is the 497th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Shady Shores stands 325th among Texas's 1,224 places — roughly the 73th percentile. At about 913 people per square mile, Shady Shores is the 568th most densely settled place in Texas. The population moved by about 191 people between 2020 and 2023, a 6.9% shift.
Common questions
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Nearby places
- Lake Dallas, TX — population 7,917
- Corinth, TX — population 23,707
- Oak Point, TX — population 6,367
- Hickory Creek, TX — population 5,688
- Lakewood Village, TX — population 739
- Cross Roads, TX — population 1,964
- Highland Village, TX — population 16,100
- Copper Canyon, TX — population 2,171