Chireno at a glance
- Population: 377, the 1,042nd-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 371 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 1.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 1,042nd out of 1,224 Census places (US Census Bureau).
- Size percentile: it is larger than about 15% of the places in Texas (US Census Bureau).
- Coordinates: 31.4989 latitude, -94.3459 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: San Augustine, TX (14 mi); Nacogdoches, TX (20 mi); Huntington, TX (20 mi); Appleby, TX (22 mi); Center, TX (23 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Broaddus, TX (14 mi); Huxley, TX (32 mi); Browndell, TX (34 mi), per US Census Bureau estimates.
What a personal loan costs in Chireno
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Chireno
The table carries the Texas rate and licensing rules that apply to consumer loans made in Chireno.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Chireno
These steps are the ones that most affect the offer you receive in Chireno:
- 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.