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Personal loans in Caney City, TX

Caney City is a small community in Texas, with an estimated 192 residents, and every licensed lender here follows the same state rulebook. For the 192 people in Caney City, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Roughly 192 residents live in Caney City, the 1,162nd-largest community in Texas. Decide the purpose of the loan and your repayment plan before sharing any details with a Caney City lender. The trend for Caney City between 2020 and 2023 is upward by roughly 2.1%. For a bigger market, look to Log Cabin, TX about 1 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Caney City data picture

Two layers matter for a Caney City borrower: the local population picture and Texas's consumer-lending statutes.

Steps to take before a Caney City loan

Before you hand your details to a lender in Caney City, where the population is near 192:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Check the Texas regulator's records to confirm the lender is licensed here.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Borrow only what the purpose requires, not the maximum you are offered.

In Caney City as elsewhere in Texas, the written terms — not the advertisement — are what count for its 192 residents.

Which Texas laws govern a loan in Caney City

For the roughly 192 residents of Caney City, the rules below are Texas's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorTexas 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 statusLegal 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

Where Caney City sits in Texas

Among Texas's 1,224 places, Caney City sits at 1,162nd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 630th of 1,224 Texas places, putting it near the 49th percentile for growth. By density, at about 167 people per square mile, it ranks 1,142nd in Texas. By land area, its 1.2 square miles rank 956th of 1,224 places in Texas.

Getting a loan in Caney City

Caney City is a lightly settled community of about 192 people, with 96 larger places inside a 50-mile radius. A Texas licence lets a lender serve Caney City without a local office, so branch density does not change what its 192 residents are offered. For a larger market, the closest option is Log Cabin, TX about 1 miles away.

The geography behind Caney City

Inside Caney City's boundaries lie about 1.2 square miles of land, with no significant water area recorded. That land carries about 167 people per square mile. Houston, the largest place in Texas, is about 172 miles from Caney City. Counting outward 50 miles, 96 larger communities surround Caney City. The 100-mile radius contains 374 larger places.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Caney City if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Caney City is the same as anywhere in Texas.
What loan size can I expect in Caney City?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Caney City?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Caney City cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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