Granbury at a glance
- Population: 12,622 — 213th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 10,952 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 15.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 213th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 83% of places in Texas are smaller (US Census Bureau).
- Coordinates: 32.4328 / -97.7751, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Cleburne, TX (22 mi); Weatherford, TX (22 mi); Benbrook, TX (25 mi); Crowley, TX (26 mi); Burleson, TX (27 mi) (US Census Bureau).
- Nearest smaller communities: Stockton Bend, TX (3 mi); DeCordova, TX (5 mi); Tolar, TX (9 mi), each a US Census place.
What a personal loan costs in Granbury
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Granbury
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Granbury.
| 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 Granbury
Before you share your details with a lender in Granbury:
- 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.