Lueders at a glance
- Population: 259 — 1,117th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 254 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 2.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 1,117th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 9% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 32.8004 / -99.6232, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Anson, TX (16 mi); Stamford, TX (17 mi); Hawley, TX (17 mi); Albany, TX (20 mi); Abilene, TX (25 mi) (US Census Bureau).
- Smaller places close by: Impact, TX (22 mi); Moran, TX (32 mi); Woodson, TX (36 mi) (US Census Bureau).
What a personal loan costs in Lueders
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 number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Lueders
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Lueders
Here is a short checklist for comparing personal loans in Lueders:
- 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.