Barry at a glance
- Population: 237 — 1,132nd in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 216 (US Census Bureau).
- 2020 to 2023 change: about 9.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 1,132nd of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 8% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: mapped at 32.1004, -96.6405 by the US Census Bureau Gazetteer.
- Nearest larger cities: Blooming Grove, TX (5 mi); Oak Valley, TX (9 mi); Frost, TX (10 mi); Retreat, TX (10 mi); Corsicana, TX (10 mi); US Census Bureau population estimates.
- Nearest smaller places: Emhouse, TX (6 mi); Mertens, TX (15 mi); Powell, TX (19 mi) (US Census Bureau estimates).
What a personal loan costs in Barry
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Barry
The Texas rate caps and licensing rules that reach Barry are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 |
| 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 |
| Payday lending status | Legal 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 licensing | License 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 |
How to compare offers in Barry
Here is a short checklist for comparing personal loans in Barry:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.