Spring Branch at a glance
- Population: a Census-estimated 244, placing it 1,128th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 207 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 17.9% since the 2020 count (US Census Bureau).
- Rank among Texas places: 1,128th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 8% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: mapped at 29.8763, -98.4085 by the US Census Bureau Gazetteer.
- Nearest larger cities: Bulverde, TX (7 mi); Blanco, TX (15 mi); Fair Oaks Ranch, TX (16 mi); Garden Ridge, TX (18 mi); Hollywood Park, TX (20 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Staples, TX (36 mi); Round Mountain, TX (36 mi); Kingsbury, TX (39 mi) (US Census Bureau estimates).
What a personal loan costs in Spring Branch
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Spring Branch
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 Spring Branch
A few practical steps will make the process in Spring Branch less costly:
- 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.