Wink at a glance
- Population: a Census-estimated 876, placing it 840th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 920 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 4.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 840th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 31% of Texas places in population terms (US Census Bureau).
- Coordinates: 31.7545 latitude, -103.1541 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Kermit, TX (8 mi); Monahans, TX (8 mi); Jal, NM (25 mi); Town of Pecos, TX (33 mi); Eunice, NM (47 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Pyote, TX (15 mi); Wickett, TX (16 mi); Thorntonville, TX (18 mi) (US Census Bureau).
What a personal loan costs in Wink
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Wink
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 Wink
These steps are the ones that most affect the offer you receive in Wink:
- 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.