Wimberley at a glance
- Population: about 2,881 residents, ranking 504th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 2,847 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 1.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 504th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 59% of the Census places in Texas (US Census Bureau).
- Coordinates: it sits at 29.9848, -98.0906 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): San Marcos, TX (12 mi); Kyle, TX (12 mi); Dripping Springs, TX (15 mi); Buda, TX (16 mi); New Braunfels, TX (20 mi) (US Census Bureau populations).
- Nearest smaller towns: Woodcreek, TX (3 mi); Mountain City, TX (12 mi); Hays, TX (16 mi) — US Census Bureau populations.
What a personal loan costs in Wimberley
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Wimberley
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Wimberley.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Wimberley
These steps are the ones that most affect the offer you receive in Wimberley:
- 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.