Personal loans in Smiley, TX

Smiley is a small community in Texas, with an estimated 488 residents, and every licensed lender here follows the same state rulebook. The Census estimates 488 residents in Smiley, which ranks it 986th of 1,224 places in Texas.

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.

Census figures put the 2020-to-2023 increase in Smiley at about 1.2%. Use the calculator on this page to price an amount and term before you commit in Smiley. A larger market lies at Nixon, TX about 8 miles away. Rate ceilings, licensing requirements and product limits for Smiley are all set at the Texas level.

Borrowing in Smiley: the local picture

The figures below are Smiley's own — Census population, land area and coordinates — followed by the Texas rules.

The Texas lending rules that reach Smiley

Below are the Texas rules that apply to a loan made in Smiley, each with the regulator that issued it.

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
Small-loan / installment lender licensingLicense 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
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

What a Smiley borrower is actually offered

With roughly 488 residents, Smiley is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Smiley's 488 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Smiley loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Smiley: area, density and distance

Inside Smiley's boundaries lie about 0.5 square miles of land, with no significant water area recorded. That land carries about 937 people per square mile. For the state's biggest city, Houston, the distance is roughly 140 miles. Smiley has 43 larger places within a 50-mile radius. By land area it ranks 1,141st of 1,224 Texas places.

Smiley against the rest of Texas

Among Texas's 1,224 places, Smiley sits at 986th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Smiley ranks 726th of 1,224 in Texas (about the 41th percentile). At about 937 people per square mile, Smiley is the 554th most densely settled place in Texas. In land area, Smiley ranks 1,141st among Texas's 1,224 places.

Getting a loan in Smiley

At roughly 937 people per square mile, Smiley is moderately settled; 43 larger places lie within 50 miles. Distance to a branch rarely matters for Smiley's 488 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Nixon, TX about 8 miles away.

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 Smiley 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 Smiley is the same as anywhere in Texas.
What loan size can I expect in Smiley?
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 Smiley?
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 Smiley 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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