Runge at a glance
- Population: roughly 946 people; 817th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 895 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 5.7% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 817th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 33% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 28.8863 latitude, -97.7131 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Kenedy, TX (10 mi); Karnes City, TX (11 mi); Yorktown, TX (14 mi); Goliad, TX (24 mi); Poth, TX (26 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Nordheim, TX (7 mi); Falls City, TX (20 mi); Smiley, TX (27 mi), each a US Census place.
What a personal loan costs in Runge
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Runge
The table lists the Texas rules that apply to a loan made in Runge, each with the regulator that published it.
| 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 Runge
These steps are the ones that most affect the offer you receive in Runge:
- 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.