Personal loans in Cove, TX
Personal loans in Cove are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 646 population. Population in Cove climbed about 19.0% over the three years from 2020 to 2023.
The Census counts 646 people in Cove, the 923rd-largest figure among Texas's 1,224 places. Judge Cove offers on total cost, not on how quickly the money arrives. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Cove as from the rest of the state. For a bigger market, look to Old River-Winfree, TX about 4 miles away.
Cove: the sourced local profile
What follows is Cove's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: 646 — Cove ranks 923rd of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 19.0% since the 2020 count.
- People gained or lost: about 103 more since the 2020 base.
- Size percentile: bigger than about 25% of the places in Texas, with 646 residents in Cove.
- Land and density: 1.2 square miles of land carry roughly 531 residents per square mile.
- Land area: Cove covers 1.2 square miles, the 932nd-largest area among Texas's 1,224 places.
- Water: Cove holds about 0.05 square miles, the 301st-largest water area in Texas.
- Share of Texas: Cove holds about 0.0% of the state's population, some 646 people.
- National rank: Cove sits 12,124th by population among the 19,457 places in this dataset.
- Growth in Texas: Cove stands 104th by percentage change from 2020 to 2023, among 1,224 places.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Cove's 19.0%.
- Density rank: Cove is the 862nd most densely settled place in Texas.
- Against the state median: Cove runs about 531 residents per square mile, where the Texas median is 840.
- Location: 29.8139 / -94.8122, per the US Census Bureau Gazetteer.
- Nearest larger cities: Old River-Winfree (4 mi); Mont Belvieu (4 mi); Beach City (6 mi); Anahuac (9 mi); Baytown (10 mi). Living near a larger metro rarely changes what is available in Cove.
- Nearest smaller towns: Morgan's Point (15 mi); Devers (20 mi); Dayton Lakes (23 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 11 smaller Census places.
- Larger places within 100 miles: 152.
Where Cove sits in Texas
Among Texas's 1,224 places, Cove sits at 923rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 104th of 1,224 Texas places, putting it near the 92th percentile for growth. Its roughly 531 residents per square mile place it 862nd among Texas's places. Within 50 miles sit 11 smaller Census places, alongside the 75 that are larger.
Before you apply in Cove
Complete these steps first when you borrow in Cove (646 residents):
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the Texas regulator's licence records before you sign.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
None of these steps is Cove-specific: the same Texas licensing and disclosure rules reach all 646 residents.
Inside a Cove personal loan
Cove is a small community of about 646 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Cove can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Cove loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Cove
For the roughly 646 residents of Cove, the rules below are Texas's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
The geography behind Cove
The Census Gazetteer records 1.2 square miles of land and 0.05 square miles of water within Cove. Spread across it are roughly 531 residents per square mile. For the state's biggest city, Houston, the distance is roughly 35 miles. Within 50 miles of Cove there are 75 larger Census places. The 100-mile radius contains 152 larger places.
Common questions
What are my options in Cove if my credit is poor?
What loan size can I expect in Cove?
Do I have to pledge anything to borrow in Cove?
Does comparing loans in Cove cost me credit score points?
Nearby places
- Old River-Winfree, TX — population 1,338
- Mont Belvieu, TX — population 9,608
- Beach City, TX — population 3,366
- Anahuac, TX — population 1,997
- Baytown, TX — population 84,067
- Liberty, TX — population 8,774
- Morgan's Point, TX — population 267
- Dayton, TX — population 9,693