Paris at a glance
- Population: roughly 24,969 people; 126th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 24,476 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 2.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 126th by size among 1,224 communities (US Census Bureau).
- Size percentile: about 90% of places in Texas are smaller (US Census Bureau).
- Coordinates: latitude 33.6689, longitude -95.5466 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Greenville, TX (50 mi); Denison, TX (60 mi); Anna, TX (62 mi); Sherman, TX (62 mi); Princeton, TX (65 mi) (US Census Bureau).
- Smaller towns nearby: Reno, TX (4 mi); Toco, TX (6 mi); Sun Valley, TX (7 mi) (US Census Bureau).
What a personal loan costs in Paris
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Paris
The Texas rate caps and licensing rules that reach Paris are listed below, each with its source and retrieval date.
| 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 Paris
A few practical steps will make the process in Paris less costly:
- 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.