Personal loans in Sunrise Beach Village, TX

For a borrower among the roughly 791 residents of Sunrise Beach Village, a personal loan is a tool whose cost turns on the terms, not the address.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Verify the lender's Texas licence against the regulator named below before borrowing in Sunrise Beach Village. By population, Sunrise Beach Village sits at 871st in Texas, with an estimated 791 residents. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Sunrise Beach Village as from the rest of the state. Sunrise Beach Village added about 6.6% to its population between the 2020 base and the 2023 estimate. The nearest larger city is Granite Shoals, TX about 3 miles away.

Where Sunrise Beach Village stands

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

What shapes a Sunrise Beach Village personal loan

In Sunrise Beach Village, a small community of about 791, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Sunrise Beach Village. A longer term lowers the monthly payment on a Sunrise Beach Village loan but raises total interest, so the smallest payment is not the cheapest loan.

Getting a loan in Sunrise Beach Village

With about 469 residents per square mile, Sunrise Beach Village is lightly settled, and 38 larger Census places sit within 50 miles. A Texas licence lets a lender serve Sunrise Beach Village without a local office, so branch density does not change what its 791 residents are offered. The nearest larger city, Granite Shoals, TX about 3 miles away.

The state rulebook for Sunrise Beach Village

These are Texas's sourced lending facts as they reach Sunrise Beach Village's 791 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorTexas 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 statusLegal 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

The geography behind Sunrise Beach Village

Sunrise Beach Village covers about 1.7 square miles of land, with 0.60 square miles of water inside its boundaries (Census Gazetteer). That land carries about 469 people per square mile. For the state's biggest city, Houston, the distance is roughly 189 miles. Sunrise Beach Village has 38 larger places within a 50-mile radius. Within the same 50 miles lie 11 smaller Census places.

Where Sunrise Beach Village sits in Texas

Set beside Texas's 1,224 places, Sunrise Beach Village ranks 871st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Sunrise Beach Village ranks 341st of 1,224 in Texas (about the 72th percentile). By density, at about 469 people per square mile, it ranks 903rd in Texas. By land area, its 1.7 square miles rank 803rd of 1,224 places in Texas.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Sunrise Beach Village if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Sunrise Beach Village is the same as anywhere in Texas.
What loan size can I expect in Sunrise Beach Village?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Sunrise Beach Village?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Sunrise Beach Village cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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