Sullivan City at a glance
- Population: 3,899, the 428th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,903 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.1% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 428th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 65% of Texas places in population terms (US Census Bureau).
- Coordinates: 26.2752, -98.5644 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: La Joya, TX (6 mi); Penitas, TX (8 mi); Palmview, TX (12 mi); Mission, TX (16 mi); Alton, TX (16 mi); US Census Bureau population estimates.
- Nearest smaller places: La Grulla, TX (5 mi); Palmhurst, TX (17 mi); Granjeno, TX (19 mi) (US Census Bureau estimates).
What a personal loan costs in Sullivan City
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Sullivan City
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sullivan City
The steps below are worth completing first when you borrow in Sullivan City:
- 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.