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.

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

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.

Coffee City: population, trend and location

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

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:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Make sure the lender appears in the Texas regulator's licence list.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. 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.

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

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 Coffee 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 Coffee City is the same as anywhere in Texas.
What loan size can I expect in Coffee 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 Coffee 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 Coffee 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.

Nearby places

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