Edgecliff Village at a glance
- Population: 3,742 — 433rd in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,787 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a decline of roughly 1.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 433rd by size among 1,224 communities (US Census Bureau).
- Size percentile: about 65% of places in Texas are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.6561, -97.3406.
- Nearest larger cities within 120 miles: Everman, TX (4 mi); Forest Hill, TX (4 mi); Crowley, TX (6 mi); Kennedale, TX (7 mi); Benbrook, TX (7 mi) (US Census Bureau).
- Smaller towns nearby: Westover Hills, TX (7 mi); Westworth Village, TX (9 mi); Dalworthington Gardens, TX (11 mi) (US Census Bureau).
What a personal loan costs in Edgecliff Village
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Edgecliff Village
The table lists the Texas rules that apply to a loan made in Edgecliff Village, each with the regulator that published it.
| 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 Edgecliff Village
The steps below are worth completing first when you borrow in Edgecliff Village:
- 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.