Devine at a glance
- Population: 4,580 residents, the 392nd-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,317 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 6.1% since the 2020 count (US Census Bureau).
- Rank among Texas places: 392nd by size among 1,224 communities (US Census Bureau).
- Size percentile: it exceeds roughly 68% of Texas's Census places by population (US Census Bureau).
- Coordinates: 29.1458 latitude, -98.9050 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Pearsall, TX (21 mi); Hondo, TX (21 mi); Pleasanton, TX (28 mi); Leon Valley, TX (30 mi); Sandy Oaks, TX (30 mi); US Census Bureau population estimates.
- Nearest smaller communities: Natalia, TX (4 mi); Lytle, TX (9 mi); LaCoste, TX (13 mi) (Census populations).
What a personal loan costs in Devine
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Devine
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 Devine
The order below is a sensible way to approach a loan in Devine:
- 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.