Llano at a glance
- Population: about 3,511, 453rd by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 3,325 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 5.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 453rd largest of 1,224 (US Census Bureau).
- Size percentile: about 63% of places in Texas are smaller (US Census Bureau).
- Coordinates: 30.7510 / -98.6765, per the US Census Bureau Gazetteer.
- Nearest larger cities: Granite Shoals, TX (22 mi); Horseshoe Bay, TX (23 mi); Burnet, TX (26 mi); Marble Falls, TX (27 mi); Fredericksburg, TX (36 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Sunrise Beach Village, TX (19 mi); Highland Haven, TX (19 mi); Cottonwood Shores, TX (25 mi) (Census populations).
What a personal loan costs in Llano
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Llano
The Texas rate caps and licensing rules that reach Llano are listed below, each with its source and retrieval 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 Llano
Before you commit to a personal loan in Llano, work through these steps:
- 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.