Daingerfield at a glance
- Population: a Census-estimated 2,502, placing it 536th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 2,515 (US Census Bureau).
- 2020 to 2023 change: down about 0.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 536th out of 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 56% of Texas places in population terms (US Census Bureau).
- Coordinates: latitude 33.0305, longitude -94.7259 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Pittsburg, TX (14 mi); Mount Pleasant, TX (17 mi); Gilmer, TX (24 mi); Mount Vernon, TX (31 mi); Atlanta, TX (33 mi) (US Census Bureau populations).
- Nearest smaller towns: Hughes Springs, TX (6 mi); Lone Star, TX (6 mi); Omaha, TX (11 mi) — US Census Bureau populations.
What a personal loan costs in Daingerfield
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.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Daingerfield
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 Daingerfield
Run through this list before signing anything in Daingerfield:
- 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.