Huntington at a glance
- Population: about 2,062, 590th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,023 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 590th in population of 1,224 places (US Census Bureau).
- Size percentile: about 52% of places in Texas are smaller (US Census Bureau).
- Coordinates: mapped at 31.2803, -94.5766 by the US Census Bureau Gazetteer.
- Nearest larger cities: Lufkin, TX (9 mi); Hudson, TX (13 mi); Diboll, TX (14 mi); Nacogdoches, TX (23 mi); Woodville, TX (36 mi); US Census Bureau population estimates.
- Nearest smaller communities: Burke, TX (12 mi); Zavalla, TX (13 mi); Broaddus, TX (18 mi) (Census populations).
What a personal loan costs in Huntington
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Huntington
The table carries the Texas rate and licensing rules that apply to consumer loans made in Huntington.
| 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 Huntington
Run through this list before signing anything in Huntington:
- 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.