Personal loans in Log Cabin, TX

Log Cabin is a small community in Texas, with an estimated 797 residents, and every licensed lender here follows the same state rulebook. Census figures put the 2020-to-2023 increase in Log Cabin at about 17.0%.

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.

Log Cabin ranks 870th of 1,224 places in Texas, with a population near 797. For a community of about 797, the practical step is to compare APR across at least three lenders before committing. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Log Cabin's 797 residents. The closest larger city is Malakoff, TX about 3 miles away.

Log Cabin: population, trend and location

Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.

Texas consumer-lending rules applied in Log Cabin

This table holds the Texas rate and licensing rules for consumer loans made to Log Cabin's 797 residents.

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

A practical checklist for Log Cabin borrowers

Before you apply in Log Cabin, a community of about 797, work through these steps:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Weigh a shorter term's higher payment against the interest it saves.

What differs between Log Cabin and the rest of Texas is not the process but the borrower's own file, among the 797 people here.

What a Log Cabin borrower is actually offered

In Log Cabin, a small community of about 797, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Log Cabin can be quoted different APRs on the same amount and term. The term you choose in Log Cabin decides the split between a comfortable payment and the total interest you pay.

Log Cabin on the map

Inside Log Cabin's boundaries lie about 1.0 square miles of land, with no significant water area recorded. That land carries about 761 people per square mile. Houston, the largest place in Texas, is about 173 miles from Log Cabin. Counting outward 50 miles, 63 larger communities surround Log Cabin. The 100-mile radius contains 278 larger places.

Borrowing reach in Log Cabin

Log Cabin is moderately settled, with about 761 people per square mile and 63 larger places within 50 miles. A Texas licence lets a lender serve Log Cabin without a local office, so branch density does not change what its 797 residents are offered. For a larger market, the closest option is Malakoff, TX about 3 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 Log Cabin 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 Log Cabin is the same as anywhere in Texas.
What loan size can I expect in Log Cabin?
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 Log Cabin?
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 Log Cabin 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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