Caney City at a glance
- Population: roughly 192 people; 1,162nd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 188 (US Census Bureau).
- 2020 to 2023 change: population rose about 2.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: the 1,162nd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 5% of Texas's Census places by population (US Census Bureau).
- Coordinates: 32.2096, -96.0381 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Log Cabin, TX (1 mi); Star Harbor, TX (2 mi); Malakoff, TX (3 mi); Payne Springs, TX (5 mi); Trinidad, TX (5 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Goodlow, TX (13 mi); Powell, TX (18 mi); Moore Station, TX (27 mi), per US Census Bureau estimates.
What a personal loan costs in Caney City
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Caney City
The table lists the Texas rules that apply to a loan made in Caney City, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Caney City
Here is a short checklist for comparing personal loans in Caney City:
- 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.