Uncertain at a glance
- Population: a Census-estimated 87, placing it 1,205th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 87 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: held steady across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 1,205th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 2% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 32.7006, -94.1333 by the US Census Bureau Gazetteer.
- Nearest larger cities: Oil City, LA (10 mi); Mooringsport, LA (10 mi); Scottsville, TX (13 mi); Jefferson, TX (13 mi); Vivian, LA (15 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Domino, TX (39 mi); Rocky Mound, TX (56 mi); Mount Lebanon, LA (64 mi) (US Census Bureau).
What a personal loan costs in Uncertain
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Uncertain
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Uncertain
Run through this list before signing anything in Uncertain:
- 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.