Spur at a glance
- Population: about 830, 857th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 863 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 3.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 857th out of 1,224 Census places (US Census Bureau).
- Size percentile: it is larger than about 30% of the places in Texas (US Census Bureau).
- Coordinates: 33.4766 latitude, -100.8502 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Crosbyton, TX (25 mi); Ralls, TX (34 mi); Post, TX (36 mi); Lorenzo, TX (42 mi); Floydada, TX (45 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Dickens, TX (10 mi); Jayton, TX (22 mi); Roaring Springs, TX (29 mi) (US Census Bureau).
What a personal loan costs in Spur
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Spur
Read the table as the compliance picture for a lender serving Spur: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Spur
Run through this list before signing anything in Spur:
- 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.