Hawley at a glance
- Population: 567 (US Census Bureau, Vintage 2023 subcounty estimate), the 945th-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 Census recorded 550 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 3.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 945th by size among 1,224 communities (US Census Bureau).
- Size percentile: ahead of around 23% of Texas places in population terms (US Census Bureau).
- Coordinates: 32.6067 latitude, -99.8102 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Tye, TX (11 mi); Abilene, TX (11 mi); Anson, TX (11 mi); Merkel, TX (15 mi); Buffalo Gap, TX (22 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Impact, TX (8 mi); Lueders, TX (17 mi); Trent, TX (20 mi) (US Census Bureau).
What a personal loan costs in Hawley
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less 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 Hawley
The table carries the Texas rate and licensing rules that apply to consumer loans made in Hawley.
| 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 Hawley
The order below is a sensible way to approach a loan in Hawley:
- 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.