Kurten at a glance
- Population: about 401, 1,035th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 396 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 1.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 1,035th largest of 1,224 (US Census Bureau).
- Size percentile: roughly 15% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 30.7900, -96.2761 (US Census Bureau Gazetteer).
- Nearest larger cities: Bryan, TX (11 mi); College Station, TX (14 mi); Normangee, TX (19 mi); Hearne, TX (20 mi); Franklin, TX (21 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Wixon Valley, TX (3 mi); Iola, TX (12 mi); Bedias, TX (20 mi), each a US Census place.
What a personal loan costs in Kurten
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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 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 Kurten
Read the table as the compliance picture for a lender serving Kurten: label, sourced figure, publisher and date.
| 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 Kurten
Here is a short checklist for comparing personal loans in Kurten:
- 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.