Dublin at a glance
- Population: a Census-estimated 3,422, placing it 459th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 3,365 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 1.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 459th by size among 1,224 communities (US Census Bureau).
- Size percentile: larger than about 62% of the Census places in Texas (US Census Bureau).
- Coordinates: 32.0878 / -98.3389, per the US Census Bureau Gazetteer.
- Nearest larger cities: Stephenville, TX (11 mi); Comanche, TX (20 mi); Eastland, TX (35 mi); Granbury, TX (41 mi); Cisco, TX (43 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: De Leon, TX (12 mi); Gustine, TX (17 mi); Hico, TX (20 mi) (US Census Bureau).
What a personal loan costs in Dublin
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Dublin
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Dublin.
| 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 Dublin
The steps below are worth completing first when you borrow in Dublin:
- 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.