Copper Canyon at a glance
- Population: 2,171 (US Census Bureau, Vintage 2023 subcounty estimate), the 577th-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 Census recorded 1,755 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 23.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 577th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 53% of Texas places in population terms (US Census Bureau).
- Coordinates: 33.0967, -97.0971 (US Census Bureau Gazetteer).
- Nearest larger cities: Highland Village, TX (2 mi); Double Oak, TX (2 mi); Corinth, TX (4 mi); Hickory Creek, TX (4 mi); Flower Mound, TX (4 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Bartonville, TX (3 mi); Lakewood Village, TX (7 mi); Corral City, TX (8 mi) (US Census Bureau).
What a personal loan costs in Copper Canyon
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Copper Canyon
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Copper Canyon
Before you share your details with a lender in Copper Canyon:
- 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.