Schulenburg at a glance
- Population: roughly 2,783 people; 511th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,637 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 5.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 511th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 58% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: latitude 29.6820, longitude -96.9075 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: La Grange, TX (16 mi); Columbus, TX (21 mi); Smithville, TX (27 mi); Yoakum, TX (30 mi); Gonzales, TX (34 mi) (US Census Bureau).
- Smaller places close by: Weimar, TX (8 mi); Flatonia, TX (12 mi); Ellinger, TX (16 mi) (US Census Bureau).
What a personal loan costs in Schulenburg
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Schulenburg
Read the table as the compliance picture for a lender serving Schulenburg: label, sourced figure, publisher and date.
| 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 Schulenburg
These steps are the ones that most affect the offer you receive in Schulenburg:
- 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.