Camp Wood at a glance
- Population: 511 — 973rd in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 524 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 2.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: the 973rd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 21% of Texas places in population terms (US Census Bureau).
- Coordinates: latitude 29.6690, longitude -100.0109 (US Census Bureau Gazetteer).
- Nearest larger cities: Rocksprings, TX (27 mi); Brackettville, TX (34 mi); Uvalde, TX (34 mi); Sabinal, TX (40 mi); Ingram, TX (54 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Leakey, TX (15 mi); Spofford, TX (42 mi); Grey Forest, TX (80 mi), each a US Census place.
What a personal loan costs in Camp Wood
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Camp Wood
The Texas rate caps and licensing rules that reach Camp Wood are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Camp Wood
The steps below are worth completing first when you borrow in Camp Wood:
- 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.