Naples at a glance
- Population: about 1,401, 708th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,390 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 708th largest of 1,224 (US Census Bureau).
- Size percentile: larger than about 42% of the Census places in Texas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.2019, -94.6790.
- Nearest larger cities: Daingerfield, TX (12 mi); Hughes Springs, TX (14 mi); Mount Pleasant, TX (17 mi); De Kalb, TX (21 mi); Pittsburg, TX (22 mi); US Census Bureau population estimates.
- Nearest smaller towns: Omaha, TX (4 mi); Marietta, TX (8 mi); Lone Star, TX (18 mi) — US Census Bureau populations.
What a personal loan costs in Naples
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Naples
The Texas rate caps and licensing rules that reach Naples are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Naples
Before you commit to a personal loan in Naples, 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.