Cibolo at a glance
- Population: 36,374 residents, the 100th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 32,282 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 12.7% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 100th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 92% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 29.5701, -98.2178 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Schertz, TX (2 mi); New Braunfels, TX (11 mi); San Antonio, TX (20 mi); San Marcos, TX (27 mi); Kyle, TX (36 mi) (US Census Bureau).
- Smaller places close by: Santa Clara, TX (4 mi); Marion, TX (5 mi); Universal City, TX (6 mi) (US Census Bureau).
What a personal loan costs in Cibolo
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Cibolo
The table lists the Texas rules that apply to a loan made in Cibolo, 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 Cibolo
The order below is a sensible way to approach a loan in Cibolo:
- 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.