Talty at a glance
- Population: the Census estimates 3,048 residents, ranking 490th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 2,504 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 21.7% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 490th largest of 1,224 (US Census Bureau).
- Size percentile: roughly 60% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 32.6944 / -96.4008, per the US Census Bureau Gazetteer.
- Nearest larger cities: Forney, TX (5 mi); Crandall, TX (5 mi); Terrell, TX (6 mi); Seagoville, TX (9 mi); Kaufman, TX (10 mi); US Census Bureau population estimates.
- Nearest smaller places: Post Oak Bend, TX (6 mi); Oak Ridge, TX (9 mi); Combine, TX (10 mi) (US Census Bureau estimates).
What a personal loan costs in Talty
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Talty
Read the table as the compliance picture for a lender serving Talty: label, sourced figure, publisher and date.
| 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 Talty
Here is a short checklist for comparing personal loans in Talty:
- 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.