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Personal loans in Wickett, TX

Wickett, Texas — home to about 408 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. The Census counts 408 people in Wickett, the 1,031st-largest figure among Texas's 1,224 places. The trend for Wickett between 2020 and 2023 is downward by roughly 3.3%. Begin with the payment, then weigh APR and total interest across the lenders that reach Wickett's 408 residents. For a bigger market, look to Thorntonville, TX about 5 miles away. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Wickett as from the rest of the state.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Wickett: the sourced local profile

Most of what governs a Wickett loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

How Wickett compares across Texas

Wickett is the 1,031st-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 1,116th of 1,224 Texas places, putting it near the 9th percentile for growth. Its roughly 579 residents per square mile place it 829th among Texas's places. The population moved by about 14 people between 2020 and 2023, a 3.3% shift.

How lenders reach Wickett

With about 579 residents per square mile, Wickett is moderately settled, and 9 larger Census places sit within 50 miles. What is available to Wickett's 408 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Thorntonville, TX about 5 miles away.

How a Wickett personal loan is priced

A Wickett personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 408 residents. A lender serving Wickett's 408 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Wickett loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Wickett

This table holds the Texas rate and licensing rules for consumer loans made to Wickett's 408 residents.

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
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 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

The geography behind Wickett

Wickett covers about 0.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 579 residents per square mile. The state's population centre of gravity, Houston, is roughly 469 miles away. Wickett has 9 larger places within a 50-mile radius. Within the same 50 miles lie 5 smaller Census places.

Compare personal loan offers Run the numbers first

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