Personal loans in Enchanted Oaks, TX

Two households in Enchanted Oaks with comparable incomes can still be offered different rates; the city's 356 residents are not the reason. By population, Enchanted Oaks sits at 1,057th in Texas, with an estimated 356 residents.

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.

The trend for Enchanted Oaks between 2020 and 2023 is upward by roughly 2.3%. For the 356 people in Enchanted Oaks, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Use the calculator on this page to price an amount and term before you commit in Enchanted Oaks. The next larger city is Payne Springs, TX about 2 miles away.

Where Enchanted Oaks stands

Two layers matter for a Enchanted Oaks borrower: the local population picture and Texas's consumer-lending statutes.

Lender access in Enchanted Oaks

Enchanted Oaks is a moderately settled community of about 356 people, with 94 larger places inside a 50-mile radius. What is available to Enchanted Oaks's 356 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 Payne Springs, TX about 2 miles away.

Enchanted Oaks on the map

The Census Gazetteer records about 0.4 square miles of land within Enchanted Oaks, with no significant water area listed. With 356 residents, the land area yields roughly 901 people per square mile. Houston, the largest place in Texas, is about 177 miles from Enchanted Oaks. A 50-mile radius around Enchanted Oaks takes in 94 places that are larger. The 100-mile radius contains 353 larger places.

Steps to take before a Enchanted Oaks loan

For Enchanted Oaks's roughly 356 residents, these are the steps that most influence the offer:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the Texas licence with the regulator named above before committing.
  5. Be clear on what the loan is for and how it gets repaid.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Enchanted Oaks-specific: the same Texas licensing and disclosure rules reach all 356 residents.

How Enchanted Oaks compares across Texas

Set beside Texas's 1,224 places, Enchanted Oaks ranks 1,057th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Enchanted Oaks ranks 617th of 1,224 in Texas (about the 50th percentile). Its roughly 901 residents per square mile place it 578th among Texas's places. By land area, its 0.4 square miles rank 1,182nd of 1,224 places in Texas.

Which Texas laws govern a loan in Enchanted Oaks

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Enchanted Oaks lender must follow.

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