Sunset Valley at a glance
- Population: the Census estimates 624 residents, ranking 929th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 680 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 8.2% below the 2020 Census base (US Census Bureau).
- Rank among Texas places: 929th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 24% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 30.2258, -97.8158 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Rollingwood, TX (4 mi); West Lake Hills, TX (5 mi); Austin, TX (6 mi); Buda, TX (10 mi); Bee Cave, TX (10 mi) (US Census Bureau).
- Smaller places nearby: San Leanna, TX (6 mi); Hays, TX (8 mi); Bear Creek, TX (8 mi), per US Census Bureau estimates.
What a personal loan costs in Sunset Valley
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our 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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Sunset Valley
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Sunset Valley
Here is a short checklist for comparing personal loans in Sunset Valley:
- 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.