Tehuacana at a glance
- Population: about 229 residents, ranking 1,139th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 227 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 0.9% since the 2020 count (US Census Bureau).
- Rank among Texas places: the 1,139th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 7% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 31.7432 / -96.5402, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Mexia, TX (5 mi); Wortham, TX (6 mi); Coolidge, TX (7 mi); Richland, TX (14 mi); Dawson, TX (15 mi) (US Census Bureau).
- Nearest smaller communities: Kirvin, TX (12 mi); Penelope, TX (24 mi); Powell, TX (28 mi), each a US Census place.
What a personal loan costs in Tehuacana
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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 Tehuacana
The table lists the Texas rules that apply to a loan made in Tehuacana, each with the regulator that published it.
| 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 Tehuacana
The steps below are worth completing first when you borrow in Tehuacana:
- 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.