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Personal loans in Huxley, TX

Taking out a personal loan in Huxley means a fixed monthly payment for a set term, and the APR you are quoted rests on your credit, income and debts. Census estimates count about 363 residents in Huxley, making it the 1,052nd-largest of 1,224 places in Texas. Every lender serving Texas must observe the state's rate caps and licensing rules, shown with their sources below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Huxley at a glance

  • Population: 363 people, the 1,052nd-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 353 residents (US Census Bureau, 2020 Census).
  • 2020 to 2023 change: population rose about 2.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Texas places: 1,052nd out of 1,224 Census places (US Census Bureau).
  • Size percentile: about 14% of Texas's Census places are smaller (US Census Bureau).
  • Coordinates: 31.7309 / -93.8733, per the US Census Bureau Gazetteer.
  • Nearest larger cities within 120 miles: Converse, LA (11 mi); Zwolle, LA (15 mi); Logansport, LA (18 mi); Center, TX (19 mi); Joaquin, TX (19 mi) (US Census Bureau).
  • Smaller places close by: Noble, LA (12 mi); Stanley, LA (16 mi); South Mansfield, LA (22 mi) (US Census Bureau).

What a personal loan costs in Huxley

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.

The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.

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 Huxley

Each row below is a Texas rule with its publisher and the date it was retrieved.

RuleDetailSource
Small-loan / installment lender licensingLicense 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 regulatorTexas 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 statusLegal 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 Huxley

The steps below are worth completing first when you borrow in Huxley:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Huxley?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Huxley are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Huxley?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Huxley require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Huxley hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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