Spring Valley Village at a glance
- Population: 4,272 — 410th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,227 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 1.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 410th in population of 1,224 places (US Census Bureau).
- Size percentile: ahead of around 67% of Texas places in population terms (US Census Bureau).
- Coordinates: 29.7898 latitude, -95.5040 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Hunters Creek Village, TX (1 mi); Bellaire, TX (6 mi); West University Place, TX (7 mi); Houston, TX (7 mi); Jersey Village, TX (8 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Hilshire Village, TX (1 mi); Hedwig Village, TX (1 mi); Piney Point Village, TX (2 mi) (US Census Bureau).
What a personal loan costs in Spring Valley Village
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
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 Spring Valley Village
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Valley Village
A few practical steps will make the process in Spring Valley Village 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.