Sabinal at a glance
- Population: a Census-estimated 1,377, placing it 713th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,367 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 0.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 713th by size among 1,224 communities (US Census Bureau).
- Size percentile: about 42% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 29.3213, -99.4695 (US Census Bureau Gazetteer).
- Nearest larger cities: Hondo, TX (19 mi); Uvalde, TX (20 mi); Devine, TX (36 mi); Castroville, TX (37 mi); Pearsall, TX (37 mi), each a US Census place with its estimated population.
- Smaller places nearby: Leakey, TX (33 mi); Bandera, TX (37 mi); Natalia, TX (38 mi), per US Census Bureau estimates.
What a personal loan costs in Sabinal
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Sabinal
Read the table as the compliance picture for a lender serving Sabinal: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sabinal
The steps below are worth completing first when you borrow in Sabinal:
- 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.