Log Cabin at a glance
- Population: 797 residents, the 870th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 681 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 17.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 870th largest of 1,224 (US Census Bureau).
- Size percentile: roughly 29% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 32.2235, -96.0224 (US Census Bureau Gazetteer).
- Nearest larger cities: Malakoff, TX (3 mi); Eustace, TX (6 mi); Trinidad, TX (7 mi); Tool, TX (10 mi); Gun Barrel City, TX (10 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Caney City, TX (1 mi); Star Harbor, TX (3 mi); Payne Springs, TX (5 mi) — US Census Bureau populations.
What a personal loan costs in Log Cabin
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Log Cabin
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Log Cabin
Here is a short checklist for comparing personal loans in Log Cabin:
- 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.