Dayton Lakes at a glance
- Population: the Census estimates 55 residents, ranking 1,219th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 46 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 19.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 1,219th by size among 1,224 communities (US Census Bureau).
- Size percentile: it is larger than about 0% of the places in Texas (US Census Bureau).
- Coordinates: 30.1436, -94.8158 (US Census Bureau Gazetteer).
- Nearest larger cities: Kenefick, TX (3 mi); Hardin, TX (5 mi); Liberty, TX (7 mi); Ames, TX (8 mi); Daisetta, TX (11 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Quintana, TX (90 mi) — US Census Bureau populations.
What a personal loan costs in Dayton Lakes
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Dayton Lakes
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dayton Lakes
A few practical steps will make the process in Dayton Lakes less costly:
- 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.