Personal loans in Windthorst, TX
Windthorst ranks 1,061st of 1,224 places in Texas, with a population near 352. With roughly 352 residents, Windthorst is a small community, and the lending rules its borrowers live under are written in Texas, not by the city.
If debt is already a strain, a nonprofit credit counsellor can help Windthorst residents before they take on more. Consumer lending that reaches Windthorst's 352 residents is governed by Texas statute; no city ordinance changes it. The trend for Windthorst between 2020 and 2023 is upward by roughly 2.9%. The closest larger place is Scotland, TX about 5 miles away.
What the Census records for Windthorst
Two layers matter for a Windthorst borrower: the local population picture and Texas's consumer-lending statutes.
- Population: a Census-estimated 352, 1,061st among Texas's 1,224 places (Vintage 2023).
- Population trend: A gain of roughly 2.9% between 2020 and 2023.
- People gained or lost: about 10 more since the 2020 base.
- Size percentile: about 13% of Texas's Census places are smaller than Windthorst.
- Density: roughly 141 residents per square mile, spread over 2.5 sq mi of land.
- Land area: Windthorst covers 2.5 square miles, the 588th-largest area among Texas's 1,224 places.
- Water area rank: Windthorst ranks 278th among Texas's 1,224 places, with 0.06 sq mi.
- Share of Texas: Windthorst holds about 0.0% of the state's population, some 352 people.
- National rank: Windthorst is the 14,576th most populous of the 19,457 Census places covered here.
- Growth in Texas: Windthorst stands 576th by percentage change from 2020 to 2023, among 1,224 places.
- Versus Texas: the state average change is +6.5%, while Windthorst moved 2.9%.
- Density in Texas: Windthorst ranks 1,164th by people per square mile.
- Against the state median: Windthorst runs about 141 residents per square mile, where the Texas median is 840.
- Location: coordinates 33.5770, -98.4349 (US Census Bureau Gazetteer).
- Nearest larger cities: Scotland (5 mi); Archer City (11 mi); Lakeside City (18 mi); Henrietta (22 mi); Holliday (22 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Jolly (21 mi); Bellevue (24 mi); Megargel (30 mi), each with its own Census population profile.
- Within a 50-mile radius: 9 smaller Census places.
- Larger places within 100 miles: 206.
Which Texas laws govern a loan in Windthorst
When Texas does not publish a figure, the row links to the source instead of inventing a number; Windthorst is bound by the same rules.
| 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 |
Where Windthorst sits
The Census Gazetteer records 2.5 square miles of land and 0.06 square miles of water within Windthorst. With 352 residents, the land area yields roughly 141 people per square mile. For the state's biggest city, Houston, the distance is roughly 317 miles. A 50-mile radius around Windthorst takes in 31 places that are larger. Within the same 50 miles lie 9 smaller Census places.
Lender access in Windthorst
With about 141 residents per square mile, Windthorst is lightly settled, and 31 larger Census places sit within 50 miles. What is available to Windthorst's 352 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Scotland, TX about 5 miles away.
Inside a Windthorst personal loan
With roughly 352 residents, Windthorst is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Windthorst's 352 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Windthorst loan is knowable in advance — unlike a revolving card balance.
Where Windthorst sits in Texas
Windthorst is the 1,061st-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 576th of 1,224 Texas places, putting it near the 53th percentile for growth. Its roughly 141 residents per square mile place it 1,164th among Texas's places. The population moved by about 10 people between 2020 and 2023, a 2.9% shift.
Common questions
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Nearby places
- Scotland, TX — population 427
- Archer City, TX — population 1,626
- Lakeside City, TX — population 1,287
- Jolly, TX — population 179
- Henrietta, TX — population 3,239
- Dean, TX — population 522
- Wichita Falls, TX — population 102,691
- Holliday, TX — population 1,650