Cuney at a glance
- Population: a Census-estimated 115, placing it 1,193rd among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 113 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: an increase of about 1.8% since the 2020 count (US Census Bureau).
- Rank among Texas places: the 1,193rd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 3% of Texas places in population terms (US Census Bureau).
- Coordinates: 32.0374 latitude, -95.4147 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Berryville, TX (5 mi); Frankston, TX (5 mi); Coffee City, TX (7 mi); Bullard, TX (9 mi); Jacksonville, TX (10 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Powell, TX (53 mi); Kirvin, TX (57 mi); Rocky Mound, TX (72 mi), per US Census Bureau estimates.
What a personal loan costs in Cuney
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Cuney
The table carries the Texas rate and licensing rules that apply to consumer loans made in Cuney.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cuney
The steps below are worth completing first when you borrow in Cuney:
- 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.