McCamey at a glance
- Population: 1,717 — 651st in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,834 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 6.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 651st largest of 1,224 (US Census Bureau).
- Size percentile: ahead of around 47% of Texas places in population terms (US Census Bureau).
- Coordinates: mapped at 31.1325, -102.2200 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Crane, TX (19 mi); Fort Stockton, TX (43 mi); Big Lake, TX (46 mi); Odessa, TX (52 mi); Midland, TX (62 mi) (US Census Bureau).
- Smaller places close by: Rankin, TX (18 mi); Iraan, TX (24 mi); Grandfalls, TX (40 mi) (US Census Bureau).
What a personal loan costs in McCamey
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in McCamey
The table lists the Texas rules that apply to a loan made in McCamey, each with the regulator that published it.
| 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 McCamey
Before you commit to a personal loan in McCamey, work through these steps:
- 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.