Personal loans in Cushing, TX

The 2020 count to the 2023 estimate shows about 3.2% growth in Cushing. If you are weighing a personal loan in Cushing, start from the payment you can carry; its 576 residents face the same statewide rules.

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.

Cushing is home to roughly 576 people and stands 943rd by size out of 1,224 Census places in Texas. The closest larger city is Alto, TX about 17 miles away. Every figure below is Texas's own, applied to Cushing's 576 residents, with the publisher and retrieval date attached. Compare APR, not the interest rate, because the APR folds in most fees on a Cushing loan.

Cushing by the numbers

Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.

The Texas lending rules that reach Cushing

These are Texas's sourced lending facts as they reach Cushing's 576 residents; the state has no city-level rate rule.

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 shapes a Cushing personal loan

A Cushing personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 576 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Cushing. A longer term lowers the monthly payment on a Cushing loan but raises total interest, so the smallest payment is not the cheapest loan.

Cushing: area, density and distance

Inside Cushing's boundaries lie about 1.4 square miles of land, with no significant water area recorded. With 576 residents, the land area yields roughly 420 people per square mile. The largest place in Texas, Houston, lies about 144 miles away. A 50-mile radius around Cushing takes in 40 places that are larger. Within the same 50 miles lie 13 smaller Census places.

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

Set beside Texas's 1,224 places, Cushing ranks 943rd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Cushing ranks 554th of 1,224 in Texas (about the 55th percentile). By density, at about 420 people per square mile, it ranks 947th in Texas. Between 2020 and 2023 the count changed by roughly 18 residents.

The Cushing borrowing checklist

For Cushing's roughly 576 residents, these are the steps that most influence the offer:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  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. Confirm the Texas licence with the regulator named above before committing.
  5. Test the payment against your current bills before you commit.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Cushing-specific: the same Texas licensing and disclosure rules reach all 576 residents.

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 Cushing 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 Cushing is the same as anywhere in Texas.
What loan size can I expect in Cushing?
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 Cushing?
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 Cushing 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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