Personal loans in McCamey, TX
In McCamey, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Lenders active in McCamey report to a Texas supervisor, identified in the sourced rows below.
With 1,717 residents, McCamey outranks about 47% of the communities in Texas. If debt is already a strain, a nonprofit credit counsellor can help McCamey residents before they take on more. Population in McCamey dropped about 6.4% over the three years from 2020 to 2023. A larger market lies at Crane, TX about 19 miles away.
McCamey by the numbers
McCamey is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 1,717 people live here, which puts McCamey 651st of 1,224 Census places in Texas (Vintage 2023).
- Population trend: About 6.4% below the 2020 Census base.
- Net change: roughly 117 fewer people than the 2020 Census counted.
- Size percentile: roughly 47% of Texas's places have fewer residents than McCamey's 1,717.
- Density: roughly 848 residents per square mile, spread over 2.0 sq mi of land.
- Land area: McCamey covers 2.0 square miles, the 693rd-largest area among Texas's 1,224 places.
- Share of state population: McCamey's 1,717 residents are about 0.0% of Texas.
- National rank: McCamey is the 8,198th most populous of the 19,457 Census places covered here.
- Growth rank: McCamey ranks 1,210th among Texas's 1,224 places for the 2020-to-2023 change.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against McCamey's 6.4%.
- Density rank: McCamey is the 609th most densely settled place in Texas.
- Density vs Texas: McCamey's 848 people per square mile compare with a state median of 840.
- Location: coordinates 31.1325, -102.2200 (US Census Bureau Gazetteer).
- Nearest larger cities: Crane (19 mi); Fort Stockton (43 mi); Big Lake (46 mi); Odessa (52 mi); Midland (62 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Rankin (18 mi); Iraan (24 mi); Grandfalls (40 mi).
- Within a 50-mile radius: 3 smaller Census places.
- Within 100 miles: 12 places are larger than McCamey.
How lenders reach McCamey
With about 848 residents per square mile, McCamey is moderately settled, and 3 larger Census places sit within 50 miles. Lenders licensed in Texas reach McCamey's 1,717 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Crane, TX about 19 miles away.
What shapes a McCamey personal loan
With roughly 1,717 residents, McCamey is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a McCamey lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a McCamey loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for McCamey
Every row below records a Texas rule, its publisher and its retrieval date — the same rules a McCamey 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 |
| Small-loan / installment lender licensing | License 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 |
How McCamey compares across Texas
Among Texas's 1,224 places, McCamey sits at 651st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, McCamey stands 1,210th among Texas's 1,224 places — roughly the 1th percentile. By density, at about 848 people per square mile, it ranks 609th in Texas. Within 50 miles sit 3 smaller Census places, alongside the 3 that are larger.
The geography behind McCamey
The Census Gazetteer records about 2.0 square miles of land within McCamey, with no significant water area listed. That land carries about 848 people per square mile. Houston, the largest place in Texas, is about 417 miles from McCamey. Within 50 miles of McCamey there are 3 larger Census places. The 100-mile radius contains 12 larger places.
Common questions
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Nearby places
- Crane, TX — population 3,362
- Rankin, TX — population 733
- Iraan, TX — population 995
- Grandfalls, TX — population 327
- Fort Stockton, TX — population 8,113
- Odessa, TX — population 115,743
- Big Lake, TX — population 2,753
- Thorntonville, TX — population 536