Personal loans in Moore Station, TX

Every figure below is Texas's own, applied to Moore Station's 162 residents, with the publisher and retrieval date attached. An estimated 162 people make their home in Moore Station, a figure that ranks 1,178th in Texas.

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.

Moore Station, Texas — home to about 162 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. Census figures put the 2020-to-2023 increase in Moore Station at about 3.2%. Rate-shopping from Moore Station costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The nearest larger city is Coffee City, TX about 7 miles away.

Local context for Moore Station

Moore Station is a small community; the notes below cover its population profile and the statewide rules that apply.

The anatomy of a Moore Station personal loan

Moore Station is a small community of about 162 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Moore Station loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Moore Station loan but raises total interest, so the smallest payment is not the cheapest loan.

Moore Station against the rest of Texas

Among Texas's 1,224 places, Moore Station sits at 1,178th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 557th of 1,224 Texas places, putting it near the 54th percentile for growth. At about 128 people per square mile, Moore Station is the 1,177th most densely settled place in Texas. By land area, its 1.3 square miles rank 924th of 1,224 places in Texas.

What Texas law requires in Moore Station

Texas has no separate rate rule for Moore Station; the sourced rows below are what reach every lender that serves its 162 people.

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
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
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

A practical checklist for Moore Station borrowers

Complete these steps first when you borrow in Moore Station (162 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  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 lender holds a Texas licence by checking the regulator named above.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Texas; what changes is your credit file, not the fact that Moore Station holds 162 people.

Where Moore Station sits

Moore Station covers about 1.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 128 people per square mile. Houston, the largest place in Texas, is about 167 miles from Moore Station. Counting outward 50 miles, 73 larger communities surround Moore Station. Within the same 50 miles lie 2 smaller Census places.

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