Personal loans in Munday, TX
Personal loans in Munday are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,222 population. The Census counts 1,222 people in Munday, the 748th-largest figure among Texas's 1,224 places.
The nearest larger city is Haskell, TX about 21 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 1.8%. Every figure below is Texas's own, applied to Munday's 1,222 residents, with the publisher and retrieval date attached. Use the calculator on this page to price an amount and term before you commit in Munday.
Local context for Munday
Munday is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 1,222 residents; Munday is the 748th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.8% since the 2020 count.
- Net change: roughly 22 fewer people than the 2020 Census counted.
- Size percentile: about 39% of Texas's Census places are smaller than Munday.
- Density: the Census land area of 1.4 sq mi holds about 856 people per square mile.
- Land area rank: Munday's 1.4 square miles rank 882nd of 1,224 places in Texas.
- Within Texas: about 0.0% of the state's population lives in Munday.
- National rank: Munday sits 9,472nd by population among the 19,457 places in this dataset.
- Growth in Texas: Munday stands 1,033rd by percentage change from 2020 to 2023, among 1,224 places.
- Versus Texas: the state average change is +6.5%, while Munday moved 1.8%.
- Density rank: Munday is the 603rd most densely settled place in Texas.
- Density in context: Munday's 856 people per square mile sit against a Texas median of 840.
- Location: latitude 33.4471, longitude -99.6239 (Census Gazetteer).
- Nearest larger cities: Haskell (21 mi); Seymour (23 mi); Stamford (28 mi); Hamlin (48 mi); Olney (50 mi). Online lenders reach Munday no matter how far the nearest branch is.
- Nearest smaller places: Goree (6 mi); Weinert (9 mi); Knox City (11 mi).
- Smaller neighbours: 13 places smaller than Munday sit within 50 miles.
- At 100 miles: 40 larger Census places fall inside that radius.
Munday: area, density and distance
Munday's land area is roughly 1.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 856 residents per square mile. For the state's biggest city, Houston, the distance is roughly 355 miles. A 50-mile radius around Munday takes in 4 places that are larger. The 100-mile radius contains 40 larger places.
The Munday borrowing checklist
Complete these steps first when you borrow in Munday (1,222 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- 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.
- Confirm the lender holds a Texas licence by checking the regulator named above.
- Decide the purpose and how you will repay it before approaching any lender.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
In Munday as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,222 residents.
How a Munday personal loan is priced
With roughly 1,222 residents, Munday is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Munday's rank of 748th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Munday decides the split between a comfortable payment and the total interest you pay.
Which Texas laws govern a loan in Munday
Read the table as a lender's compliance picture for Munday: the rule, the sourced figure, the publisher and the 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 |
| 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 |
How Munday compares across Texas
Among Texas's 1,224 places, Munday sits at 748th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 1,033rd of 1,224 Texas places, putting it near the 16th percentile for growth. Its roughly 856 residents per square mile place it 603rd among Texas's places. In land area, Munday ranks 882nd among Texas's 1,224 places.
Common questions
What are my options in Munday if my credit is poor?
What loan size can I expect in Munday?
Do I have to pledge anything to borrow in Munday?
Does comparing loans in Munday cost me credit score points?
Nearby places
- Goree, TX — population 159
- Weinert, TX — population 170
- Knox City, TX — population 1,046
- Benjamin, TX — population 198
- O'Brien, TX — population 88
- Rochester, TX — population 244
- Haskell, TX — population 3,058
- Rule, TX — population 556