Saginaw at a glance
- Population: 25,139 — 125th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 23,893 residents here (US Census Bureau).
- 2020 to 2023 change: up about 5.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 125th out of 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 90% of Texas places in population terms (US Census Bureau).
- Coordinates: it sits at 32.8656, -97.3652 in the US Census Bureau Gazetteer.
- Nearest larger cities: Fort Worth, TX (6 mi); Haltom City, TX (6 mi); North Richland Hills, TX (8 mi); Keller, TX (9 mi); Hurst, TX (11 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Blue Mound, TX (2 mi); Sansom Park, TX (5 mi); Lake Worth, TX (5 mi) (US Census Bureau).
What a personal loan costs in Saginaw
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Saginaw
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Saginaw
The steps below are worth completing first when you borrow in Saginaw:
- 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.