Personal loans in Wolfforth, TX

Wolfforth is one of 1,224 Census places in Texas; its 7,258 residents put it at 301st. The trend for Wolfforth between 2020 and 2023 is upward by roughly 30.6%.

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.

Wolfforth, Texas — home to about 7,258 people — is a small town, so the terms you are offered follow Texas law rather than any local rule. A lender that serves Wolfforth operates under Texas lending statutes and a Texas supervisor. Use the calculator on this page to price an amount and term before you commit in Wolfforth. The next larger city is Lubbock, TX about 8 miles away.

What the Census records for Wolfforth

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

Wolfforth against the rest of Texas

Wolfforth is the 301st-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Wolfforth ranks 46th of 1,224 in Texas (about the 96th percentile). By density, at about 1,493 people per square mile, it ranks 282nd in Texas. Within 50 miles sit 30 smaller Census places, alongside the 4 that are larger.

Texas consumer-lending rules applied in Wolfforth

The rows below set out what a licensed lender must follow in Texas, and so for Wolfforth's roughly 7,258 residents.

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

How lenders reach Wolfforth

At roughly 1,493 people per square mile, Wolfforth is moderately settled; 4 larger places lie within 50 miles. Distance to a branch rarely matters for Wolfforth's 7,258 residents: the application is online and the price follows your credit file. The nearest bigger place is Lubbock, TX about 8 miles away.

Wolfforth on the map

Inside Wolfforth's boundaries lie roughly 4.9 square miles of land and 0.01 square miles of water. That land carries about 1,493 people per square mile. Houston, the largest place in Texas, is about 466 miles from Wolfforth. A 50-mile radius around Wolfforth takes in 4 places that are larger. By land area it ranks 375th of 1,224 Texas places.

How a Wolfforth personal loan is priced

With roughly 7,258 residents, Wolfforth is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Wolfforth's 7,258 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Wolfforth loan is knowable in advance — unlike a revolving card balance.

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