Callisburg at a glance
- Population: about 343, 1,065th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 317 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 8.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 1,065th largest of 1,224 (US Census Bureau).
- Size percentile: about 13% of places in Texas are smaller (US Census Bureau).
- Coordinates: mapped at 33.6987, -97.0159 by the US Census Bureau Gazetteer.
- Nearest larger cities: Whitesboro, TX (7 mi); Gainesville, TX (9 mi); Thackerville, OK (9 mi); Sadler, TX (10 mi); Collinsville, TX (11 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Oak Ridge, TX (4 mi); Dorchester, TX (22 mi); Leon, OK (27 mi), each a US Census place.
What a personal loan costs in Callisburg
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Callisburg
The table lists the Texas rules that apply to a loan made in Callisburg, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
How to compare offers in Callisburg
Before you commit to a personal loan in Callisburg, work through these steps:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.