Seguin at a glance
- Population: 36,013 (US Census Bureau, Vintage 2023 subcounty estimate), the 102nd-largest of 1,224 places in Texas.
- 2020 Census base: 29,439 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 22.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 102nd-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 92% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 29.5902, -97.9686 (US Census Bureau Gazetteer).
- Nearest larger cities: New Braunfels, TX (12 mi); Cibolo, TX (15 mi); Schertz, TX (17 mi); San Marcos, TX (20 mi); Kyle, TX (28 mi); US Census Bureau population estimates.
- Nearest smaller places: Kingsbury, TX (10 mi); Marion, TX (11 mi); New Berlin, TX (11 mi) (US Census Bureau estimates).
What a personal loan costs in Seguin
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Seguin
Read the table as the compliance picture for a lender serving Seguin: 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 Seguin
Run through this list before signing anything in Seguin:
- 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.