Coyote Flats at a glance
- Population: 289, the 1,093rd-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 275 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 5.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 1,093rd by size among 1,224 communities (US Census Bureau).
- Size percentile: about 11% of places in Texas are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.3559, -97.2924.
- Nearest larger cities: Keene, TX (3 mi); Alvarado, TX (6 mi); Cleburne, TX (7 mi); Joshua, TX (9 mi); Grandview, TX (9 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Carl's Corner, TX (23 mi); Mertens, TX (31 mi); Bynum, TX (32 mi) — US Census Bureau populations.
What a personal loan costs in Coyote Flats
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Coyote Flats
The table lists the Texas rules that apply to a loan made in Coyote Flats, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Coyote Flats
The steps below are worth completing first when you borrow in Coyote Flats:
- 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.