Gustine at a glance
- Population: roughly 413 people; 1,028th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 395 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 4.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 1,028th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 16% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: latitude 31.8457, longitude -98.4025 (US Census Bureau Gazetteer).
- Nearest larger cities: Comanche, TX (12 mi); Dublin, TX (17 mi); Hamilton, TX (19 mi); De Leon, TX (20 mi); Hico, TX (24 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Blanket, TX (23 mi); Mullin, TX (25 mi); Iredell, TX (33 mi) (Census populations).
What a personal loan costs in Gustine
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Gustine
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 Gustine
Before you commit to a personal loan in Gustine, work through these steps:
- 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.