Highland Village at a glance
- Population: 16,100 — 182nd in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 15,893 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 1.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 182nd of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 85% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: latitude 33.0897, longitude -97.0615 (US Census Bureau Gazetteer).
- Nearest larger cities: Corinth, TX (4 mi); Flower Mound, TX (5 mi); Lewisville, TX (6 mi); The Colony, TX (9 mi); Coppell, TX (10 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Copper Canyon, TX (2 mi); Hickory Creek, TX (2 mi); Double Oak, TX (3 mi) — US Census Bureau populations.
What a personal loan costs in Highland Village
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Highland Village
The table carries the Texas rate and licensing rules that apply to consumer loans made in Highland Village.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Highland Village
Run through this list before signing anything in Highland 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.