Hillcrest Village at a glance
- Population: the Census estimates 691 residents, ranking 907th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 707 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 2.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 907th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: about 26% of places in Texas are smaller (US Census Bureau).
- Coordinates: 29.3921, -95.2226 (US Census Bureau Gazetteer).
- Nearest larger cities: Alvin, TX (2 mi); Santa Fe, TX (7 mi); Friendswood, TX (8 mi); League City, TX (10 mi); Manvel, TX (11 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Liverpool, TX (7 mi); Bonney, TX (15 mi); Sandy Point, TX (16 mi) — US Census Bureau populations.
What a personal loan costs in Hillcrest Village
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Hillcrest Village
The table lists the Texas rules that apply to a loan made in Hillcrest Village, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hillcrest Village
These steps are the ones that most affect the offer you receive in Hillcrest 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.