Denver City at a glance
- Population: 4,301 people, the 407th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,465 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 3.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 407th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 67% of Texas's Census places by population (US Census Bureau).
- Coordinates: 32.9679, -102.8322 (US Census Bureau Gazetteer).
- Nearest larger cities: Seminole, TX (20 mi); Hobbs, NM (25 mi); Lovington, NM (30 mi); Brownfield, TX (35 mi); Andrews, TX (48 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Plains, TX (15 mi); Seagraves, TX (16 mi); Wellman, TX (24 mi) (US Census Bureau).
What a personal loan costs in Denver City
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Denver City
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 Denver City
These steps are the ones that most affect the offer you receive in Denver City:
- 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.