Personal loans in Wortham, TX

The Census counts 1,027 people in Wortham, the 791st-largest figure among Texas's 1,224 places. Wortham counts about 1,027 people, and what is genuinely local about borrowing here is limited — Texas law does the governing. Pull your credit reports and line up at least three offers before you apply from Wortham. For the 1,027 people in Wortham, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Wortham gained roughly 4.2% in population across the 2020-to-2023 comparison. The nearest larger metro is Mexia, TX about 8 miles away.

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

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.

Wortham: population, trend and location

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

Texas consumer-lending rules applied in Wortham

Below are the Texas rules that apply to a loan made in Wortham, each with the regulator that issued it.

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
Small-loan / installment lender licensingLicense 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

Wortham on the map

Wortham's land area is roughly 2.0 square miles, and the Gazetteer records no significant water area within it. With 1,027 residents, the land area yields roughly 517 people per square mile. Houston, the largest place in Texas, is about 152 miles from Wortham. Within 50 miles of Wortham there are 36 larger Census places. The 100-mile radius contains 228 larger places.

How Wortham compares across Texas

Against Texas's other places, Wortham accounts for about 0.0% of the state's population and ranks 791st of 1,224 by size. Its 2020-to-2023 change ranks 494th of 1,224 Texas places, putting it near the 60th percentile for growth. Its roughly 517 residents per square mile place it 867th among Texas's places. Within 50 miles sit 51 smaller Census places, alongside the 36 that are larger.

Lender access in Wortham

With about 517 residents per square mile, Wortham is moderately settled, and 36 larger Census places sit within 50 miles. Whether Wortham has a local branch or not, a Texas-licensed lender can serve its 1,027 people online on the same terms. For a larger market, the closest option is Mexia, TX about 8 miles away.

How a Wortham personal loan is priced

Most loans made to Wortham's 1,027 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Wortham. A longer term lowers the monthly payment on a Wortham loan but raises total interest, so the smallest payment is not the cheapest loan.

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

Nearby places

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