Leon Valley at a glance
- Population: 11,337 — 224th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 11,546 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 1.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: the 224th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 82% of Texas's Census places by population (US Census Bureau).
- Coordinates: 29.4954 latitude, -98.6143 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: San Antonio, TX (6 mi); Live Oak, TX (17 mi); Fair Oaks Ranch, TX (17 mi); Converse, TX (19 mi); Universal City, TX (19 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Balcones Heights, TX (4 mi); Castle Hills, TX (6 mi); Helotes, TX (7 mi) (Census populations).
What a personal loan costs in Leon Valley
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Leon Valley
Read the table as the compliance picture for a lender serving Leon Valley: label, sourced figure, publisher and date.
| 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 Leon Valley
Here is a short checklist for comparing personal loans in Leon Valley:
- 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.