Stockdale at a glance
- Population: 1,470 (US Census Bureau, Vintage 2023 subcounty estimate), the 690th-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 count put the population at 1,405 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 690th out of 1,224 Census places (US Census Bureau).
- Size percentile: larger than about 44% of the Census places in Texas (US Census Bureau).
- Coordinates: it sits at 29.2360, -97.9639 in the US Census Bureau Gazetteer.
- Nearest larger cities: Nixon, TX (12 mi); Poth, TX (13 mi); Floresville, TX (14 mi); St. Hedwig, TX (19 mi); Elmendorf, TX (22 mi), each a US Census place with its estimated population.
- Smaller places nearby: La Vernia, TX (13 mi); Falls City, TX (18 mi); New Berlin, TX (20 mi), per US Census Bureau estimates.
What a personal loan costs in Stockdale
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Stockdale
The table carries the Texas rate and licensing rules that apply to consumer loans made in Stockdale.
| 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 Stockdale
These steps are the ones that most affect the offer you receive in Stockdale:
- 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.