Sterling City at a glance
- Population: about 1,138, 768th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,112 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 2.3% since the 2020 count (US Census Bureau).
- Rank among Texas places: 768th by size among 1,224 communities (US Census Bureau).
- Size percentile: roughly 37% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: it sits at 31.8392, -100.9859 in the US Census Bureau Gazetteer.
- Nearest larger cities: Colorado City, TX (39 mi); Big Spring, TX (40 mi); San Angelo, TX (42 mi); Roscoe, TX (49 mi); Stanton, TX (51 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Forsan, TX (29 mi); Robert Lee, TX (30 mi); Westbrook, TX (36 mi) (US Census Bureau).
What a personal loan costs in Sterling City
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Sterling City
The table carries the Texas rate and licensing rules that apply to consumer loans made in Sterling City.
| 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 Sterling City
Before you commit to a personal loan in Sterling City, 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.