Leakey at a glance
- Population: 331, the 1,075th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 317 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 4.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 1,075th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 12% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 29.7254 / -99.7631, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Camp Wood, TX (15 mi); Sabinal, TX (33 mi); Rocksprings, TX (34 mi); Uvalde, TX (35 mi); Ingram, TX (40 mi) (US Census Bureau populations).
- Nearest smaller towns: Spofford, TX (55 mi); Spring Branch, TX (82 mi); Round Mountain, TX (96 mi) — US Census Bureau populations.
What a personal loan costs in Leakey
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Leakey
The table lists the Texas rules that apply to a loan made in Leakey, each with the regulator that published it.
| 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 Leakey
Run through this list before signing anything in Leakey:
- 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.