Sealy at a glance
- Population: 7,243 (US Census Bureau, Vintage 2023 subcounty estimate), the 302nd-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 count put the population at 6,839 (US Census Bureau).
- 2020 to 2023 change: population rose about 5.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 302nd out of 1,224 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 75% of Texas's Census places by population (US Census Bureau).
- Coordinates: mapped at 29.7641, -96.1622 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Fulshear, TX (17 mi); Katy, TX (19 mi); Prairie View, TX (25 mi); Rosenberg, TX (25 mi); Richmond, TX (27 mi) (US Census Bureau).
- Nearest smaller communities: San Felipe, TX (4 mi); South Frydek, TX (5 mi); Brazos Country, TX (7 mi), each a US Census place.
What a personal loan costs in Sealy
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Sealy
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Sealy.
| 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 Sealy
A few practical steps will make the process in Sealy less costly:
- 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.