Timbercreek Canyon at a glance
- Population: about 471 residents, ranking 993rd of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 431 (US Census Bureau).
- 2020 to 2023 change: up about 9.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 993rd by size among 1,224 communities (US Census Bureau).
- Size percentile: roughly 19% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 35.0534 latitude, -101.8184 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Lake Tanglewood, TX (2 mi); Canyon, TX (7 mi); Amarillo, TX (10 mi); Happy, TX (22 mi); Claude, TX (26 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Palisades, TX (1 mi); Bishop Hills, TX (16 mi); Nazareth, TX (39 mi) (US Census Bureau estimates).
What a personal loan costs in Timbercreek Canyon
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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 Timbercreek Canyon
The Texas rate caps and licensing rules that reach Timbercreek Canyon 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 Timbercreek Canyon
The order below is a sensible way to approach a loan in Timbercreek Canyon:
- 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.