Cuero at a glance
- Population: 8,204 residents, the 285th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 8,143 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 0.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 285th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 77% of the Census places in Texas (US Census Bureau).
- Coordinates: mapped at 29.1027, -97.2871 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Victoria, TX (26 mi); Port Lavaca, TX (52 mi); Floresville, TX (53 mi); Seguin, TX (53 mi); Beeville, TX (56 mi) (US Census Bureau).
- Smaller places nearby: Yorktown, TX (16 mi); Yoakum, TX (16 mi); Nordheim, TX (23 mi), per US Census Bureau estimates.
What a personal loan costs in Cuero
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Cuero
The Texas rate caps and licensing rules that reach Cuero are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cuero
These steps are the ones that most affect the offer you receive in Cuero:
- 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.