Personal loans in Roman Forest, TX

With roughly 2,306 residents, Roman Forest is a small community, and the lending rules its borrowers live under are written in Texas, not by the city.

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.

Pull your credit reports and line up at least three offers before you apply from Roman Forest. Roman Forest ranks 561st of 1,224 places in Texas, with a population near 2,306. Every figure below is Texas's own, applied to Roman Forest's 2,306 residents, with the publisher and retrieval date attached. Population in Roman Forest climbed about 29.7% over the three years from 2020 to 2023. The nearest larger city is Cleveland, TX about 11 miles away.

Roman Forest: population, trend and location

Here is the sourced Census picture for Roman Forest, plus the Texas lending rules that apply to a loan taken out here.

Roman Forest against the rest of Texas

Among Texas's 1,224 places, Roman Forest sits at 561st for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 50th of 1,224 Texas places, putting it near the 96th percentile for growth. Its roughly 1,056 residents per square mile place it 479th among Texas's places. The population moved by about 528 people between 2020 and 2023, a 29.7% shift.

The state rulebook for Roman Forest

Texas has no separate rate rule for Roman Forest; the sourced rows below are what reach every lender that serves its 2,306 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

The anatomy of a Roman Forest personal loan

Roman Forest is a small community of about 2,306 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Roman Forest. Shortening the term on a Roman Forest loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Roman Forest sits

The Census Gazetteer records 2.2 square miles of land and 0.01 square miles of water within Roman Forest. That land carries about 1,056 people per square mile. Houston, the largest place in Texas, is about 31 miles from Roman Forest. Roman Forest has 50 larger places within a 50-mile radius. The 100-mile radius contains 107 larger places.

Getting a loan in Roman Forest

Roman Forest is a moderately settled community of about 2,306 people, with 50 larger places inside a 50-mile radius. What is available to Roman Forest's 2,306 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Cleveland, TX about 11 miles away.

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

Related