Terrell Hills at a glance
- Population: about 5,059, 375th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 5,043 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: the 375th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 69% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 29.4771, -98.4472.
- Nearest larger cities: Alamo Heights, TX (1 mi); Kirby, TX (4 mi); Windcrest, TX (5 mi); San Antonio, TX (5 mi); Live Oak, TX (8 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Olmos Park, TX (2 mi); Castle Hills, TX (5 mi); Balcones Heights, TX (6 mi), per US Census Bureau estimates.
What a personal loan costs in Terrell Hills
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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 payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Terrell Hills
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Terrell Hills
Here is a short checklist for comparing personal loans in Terrell Hills:
- 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.