China at a glance
- Population: 1,282 residents, the 738th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,289 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 0.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 738th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: about 40% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 30.0411, -94.3376 (US Census Bureau Gazetteer).
- Nearest larger cities: Sour Lake, TX (8 mi); Beaumont, TX (12 mi); Lumberton, TX (17 mi); Nederland, TX (21 mi); Vidor, TX (22 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Nome, TX (5 mi); Bevil Oaks, TX (9 mi); Rose Hill Acres, TX (14 mi) (US Census Bureau).
What a personal loan costs in China
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 China
The table carries the Texas rate and licensing rules that apply to consumer loans made in China.
| 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 China
Here is a short checklist for comparing personal loans in China:
- 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.