Woodcreek at a glance
- Population: 1,872, the 621st-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,784 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up roughly 4.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 621st largest of 1,224 (US Census Bureau).
- Size percentile: ahead of around 49% of Texas places in population terms (US Census Bureau).
- Coordinates: 30.0266, -98.1115 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Wimberley, TX (3 mi); Dripping Springs, TX (12 mi); Kyle, TX (14 mi); San Marcos, TX (15 mi); Buda, TX (16 mi) (US Census Bureau).
- Nearest smaller communities: Mountain City, TX (13 mi); Bear Creek, TX (15 mi); Hays, TX (16 mi), each a US Census place.
What a personal loan costs in Woodcreek
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Woodcreek
The table lists the Texas rules that apply to a loan made in Woodcreek, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Woodcreek
Before you share your details with a lender in Woodcreek:
- 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.