San Augustine at a glance
- Population: 1,867, the 623rd-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,919 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 2.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: the 623rd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: about 49% of places in Texas are smaller (US Census Bureau).
- Coordinates: 31.5299 latitude, -94.1109 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Center, TX (19 mi); Nacogdoches, TX (32 mi); Huntington, TX (32 mi); Many, LA (37 mi); Lufkin, TX (39 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Chireno, TX (14 mi); Broaddus, TX (18 mi); Huxley, TX (20 mi) (US Census Bureau).
What a personal loan costs in San Augustine
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 San Augustine
The Texas rate caps and licensing rules that reach San Augustine are listed below, each with its source and retrieval date.
| 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 San Augustine
Before you share your details with a lender in San Augustine:
- 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.