Personal loans in Coffee City, TX
By population, Coffee City sits at 1,122nd in Texas, with an estimated 249 residents. From the 2020 Census base to the 2023 estimate, the population rose by about 2.9%. A personal loan in Coffee City is priced from your credit file and income, not from the fact that the city holds 249 people. To lend to Coffee City's 249 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. If debt is already a strain, a nonprofit credit counsellor can help Coffee City residents before they take on more. The next larger city is Berryville, TX about 3 miles away.
Coffee City: population, trend and location
Two layers matter for a Coffee City borrower: the local population picture and Texas's consumer-lending statutes.
- Population: an estimated 249 residents, 1,122nd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is positive, near 2.9%.
- People gained or lost: about 7 more since the 2020 base.
- Size percentile: with 249 residents, Coffee City is larger than about 8% of Texas's Census places.
- Population density: about 129 people per square mile (Census land area 1.9 sq mi).
- Land area rank: Coffee City's 1.9 square miles rank 735th of 1,224 places in Texas.
- Water area: Coffee City has 4.72 square miles of water, ranking 23rd of 1,224 places in Texas.
- State share: roughly 0.0% of Texas's residents live in Coffee City (249 people).
- National rank: Coffee City is 15,769th of 19,457 places nationwide.
- Growth rank: Coffee City's 2020-to-2023 change ranks 580th of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Coffee City moved 2.9%.
- Density rank: Coffee City is the 1,175th most densely settled place in Texas.
- Against the state median: Coffee City runs about 129 residents per square mile, where the Texas median is 840.
- Location: the Census Gazetteer records it at 32.1282, -95.4724.
- Nearest larger cities: Berryville (3 mi); Frankston (5 mi); Poynor (8 mi); Noonday (9 mi); Bullard (9 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Cuney (7 mi); Moore Station (7 mi); Caney City (34 mi).
- Smaller neighbours: 5 places smaller than Coffee City sit within 50 miles.
- Within 100 miles: 260 places are larger than Coffee City.
Coffee City against the rest of Texas
Within Texas, Coffee City holds roughly 0.0% of all residents, the 1,122nd-largest share among 1,224 places. On the 2020-to-2023 trend, Coffee City stands 580th among Texas's 1,224 places — roughly the 53th percentile. Its roughly 129 residents per square mile place it 1,175th among Texas's places. Between 2020 and 2023 the count changed by roughly 7 residents.
Coffee City: area, density and distance
The Census Gazetteer records 1.9 square miles of land and 4.72 square miles of water within Coffee City. The resulting density is about 129 people per square mile. The state's population centre of gravity, Houston, is roughly 162 miles away. Counting outward 50 miles, 67 larger communities surround Coffee City. Within the same 50 miles lie 5 smaller Census places.
What to do before borrowing in Coffee City
A sensible order of operations for a loan in Coffee City, home to about 249 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Make sure the lender appears in the Texas regulator's licence list.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
None of these steps is Coffee City-specific: the same Texas licensing and disclosure rules reach all 249 residents.
Getting a loan in Coffee City
At roughly 129 people per square mile, Coffee City is lightly settled; 67 larger places lie within 50 miles. Lenders licensed in Texas reach Coffee City's 249 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Berryville, TX about 3 miles away.
The Texas lending rules that reach Coffee City
Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Coffee City lender must follow.
| 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 |
Common questions
What are my options in Coffee City if my credit is poor?
What loan size can I expect in Coffee City?
Do I have to pledge anything to borrow in Coffee City?
Does comparing loans in Coffee City cost me credit score points?
Nearby places
- Berryville, TX — population 904
- Frankston, TX — population 1,111
- Cuney, TX — population 115
- Moore Station, TX — population 162
- Poynor, TX — population 289
- Noonday, TX — population 759
- Bullard, TX — population 4,848
- Chandler, TX — population 3,625