Seadrift at a glance
- Population: 1,009 — 795th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 994 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 795th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: it is larger than about 35% of the places in Texas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 28.4132, -96.7167.
- Nearest larger cities within 120 miles: Port Lavaca, TX (15 mi); Fulton, TX (31 mi); Rockport, TX (32 mi); Victoria, TX (33 mi); Refugio, TX (35 mi) (US Census Bureau).
- Nearest smaller communities: Austwell, TX (8 mi); Point Comfort, TX (20 mi); La Ward, TX (34 mi) (Census populations).
What a personal loan costs in Seadrift
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Seadrift
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Seadrift
These steps are the ones that most affect the offer you receive in Seadrift:
- 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.