Eustace at a glance
- Population: 1,157 (US Census Bureau, Vintage 2023 subcounty estimate), the 766th-largest of 1,224 places in Texas.
- 2020 Census base: 1,141 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 766th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 37% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 32.3075, -96.0138 (US Census Bureau Gazetteer).
- Nearest larger cities: Gun Barrel City, TX (7 mi); Mabank, TX (7 mi); Malakoff, TX (9 mi); Tool, TX (9 mi); Athens, TX (13 mi); US Census Bureau population estimates.
- Nearest smaller communities: Payne Springs, TX (4 mi); Log Cabin, TX (6 mi); Enchanted Oaks, TX (6 mi) (Census populations).
What a personal loan costs in Eustace
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Eustace
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Eustace
The order below is a sensible way to approach a loan in Eustace:
- 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.