Personal loans in Cumby, TX

Personal loans in Cumby are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 706 population. With 706 residents, Cumby outranks about 26% of the communities in Texas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Rate-shopping from Cumby costs nothing at pre-qualification, where a soft pull leaves your credit file alone. From the 2020 Census base to the 2023 estimate, the population rose by about 3.8%. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Cumby as from the rest of the state. For a bigger market, look to Commerce, TX about 8 miles away.

The Cumby data picture

Two layers matter for a Cumby borrower: the local population picture and Texas's consumer-lending statutes.

Getting a loan in Cumby

With about 735 residents per square mile, Cumby is moderately settled, and 74 larger Census places sit within 50 miles. Distance to a branch rarely matters for Cumby's 706 residents: the application is online and the price follows your credit file. The nearest bigger place is Commerce, TX about 8 miles away.

Texas rules behind a Cumby personal loan

For the roughly 706 residents of Cumby, the rules below are Texas's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorTexas 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 licensingLicense 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

What to do before borrowing in Cumby

Before you apply in Cumby, a community of about 706, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Check the Texas regulator's records to confirm the lender is licensed here.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Cumby and the rest of Texas is not the process but the borrower's own file, among the 706 people here.

Cumby's place among Texas's 1,224 places

Set beside Texas's 1,224 places, Cumby ranks 902nd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Cumby ranks 516th of 1,224 in Texas (about the 58th percentile). By density, at about 735 people per square mile, it ranks 692nd in Texas. The population moved by about 26 people between 2020 and 2023, a 3.8% shift.

Land, water and location for Cumby

Cumby's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 735 residents per square mile. For the state's biggest city, Houston, the distance is roughly 233 miles. Cumby has 74 larger places within a 50-mile radius. By land area it ranks 1,028th of 1,224 Texas places.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Cumby if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Cumby is the same as anywhere in Texas.
What loan size can I expect in Cumby?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Cumby?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Cumby cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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