Hughes Springs at a glance
- Population: 1,548 (US Census Bureau, Vintage 2023 subcounty estimate), the 679th-largest of 1,224 places in Texas.
- 2020 Census base: 1,575 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 1.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 679th largest of 1,224 (US Census Bureau).
- Size percentile: about 45% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 32.9987 / -94.6311, per the US Census Bureau Gazetteer.
- Nearest larger cities: Daingerfield, TX (6 mi); Linden, TX (16 mi); Pittsburg, TX (19 mi); Mount Pleasant, TX (23 mi); Jefferson, TX (23 mi); US Census Bureau population estimates.
- Nearest smaller communities: Lone Star, TX (6 mi); Avinger, TX (8 mi); Marietta, TX (13 mi) (Census populations).
What a personal loan costs in Hughes Springs
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Hughes Springs
The table carries the Texas rate and licensing rules that apply to consumer loans made in Hughes Springs.
| 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 |
| 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 |
How to compare offers in Hughes Springs
Here is a short checklist for comparing personal loans in Hughes Springs:
- 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.