Creedmoor at a glance
- Population: about 425 residents, ranking 1,020th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 461 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 7.8% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 1,020th largest of 1,224 (US Census Bureau).
- Size percentile: roughly 17% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: it sits at 30.0738, -97.7373 in the US Census Bureau Gazetteer.
- Nearest larger cities: Mustang Ridge, TX (3 mi); Niederwald, TX (6 mi); San Leanna, TX (7 mi); Buda, TX (7 mi); Uhland, TX (8 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Hays, TX (9 mi); Staples, TX (22 mi); Kingsbury, TX (30 mi) — US Census Bureau populations.
What a personal loan costs in Creedmoor
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Creedmoor
The table lists the Texas rules that apply to a loan made in Creedmoor, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Creedmoor
These steps are the ones that most affect the offer you receive in Creedmoor:
- 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.