Scurry at a glance
- Population: roughly 829 people; 858th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 688 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 20.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 858th in population of 1,224 places (US Census Bureau).
- Size percentile: ahead of around 30% of Texas places in population terms (US Census Bureau).
- Coordinates: 32.5128 / -96.3843, per the US Census Bureau Gazetteer.
- Nearest larger cities: Kaufman, TX (6 mi); Crandall, TX (9 mi); Post Oak Bend, TX (9 mi); Combine, TX (9 mi); Oak Ridge, TX (10 mi); US Census Bureau population estimates.
- Smaller places nearby: Grays Prairie, TX (3 mi); Oak Grove, TX (4 mi); Cottonwood, TX (4 mi), per US Census Bureau estimates.
What a personal loan costs in Scurry
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Scurry
The Texas rate caps and licensing rules that reach Scurry are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Scurry
Run through this list before signing anything in Scurry:
- 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.