Personal loans in Grapevine, TX

A 2020-to-2023 comparison shows Grapevine up by about 0.6%. Two households in Grapevine with comparable incomes can still be offered different rates; the city's 50,928 residents are not the reason.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Grapevine is one of 1,224 Census places in Texas; its 50,928 residents put it at 72nd. Borrowers who want a bigger city can look to Euless, TX about 6 miles away. A lender that serves Grapevine operates under Texas lending statutes and a Texas supervisor. Judge Grapevine offers on total cost, not on how quickly the money arrives.

Grapevine: population, trend and location

Here is the sourced Census picture for Grapevine, plus the Texas lending rules that apply to a loan taken out here.

Grapevine on the map

Grapevine's land area is about 32.2 square miles; a further 3.68 square miles is water. The resulting density is about 1,583 people per square mile. For the state's biggest city, Houston, the distance is roughly 239 miles. Counting outward 50 miles, 25 larger communities surround Grapevine. By land area it ranks 76th of 1,224 Texas places.

How lenders reach Grapevine

Grapevine is a moderately settled community of about 50,928 people, with 25 larger places inside a 50-mile radius. Whether Grapevine has a local branch or not, a Texas-licensed lender can serve its 50,928 people online on the same terms. The nearest larger city, Euless, TX about 6 miles away.

Texas consumer-lending rules applied in Grapevine

Read the table as a lender's compliance picture for Grapevine: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorTexas 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 statusLegal 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

The Grapevine borrowing checklist

A sensible order of operations for a loan in Grapevine, home to about 50,928 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Keep the amount to the expense; an approval is not a reason to take more.

The process is identical across Texas; what changes is your credit file, not the fact that Grapevine holds 50,928 people.

How Grapevine compares across Texas

Against Texas's other places, Grapevine accounts for about 0.2% of the state's population and ranks 72nd of 1,224 by size. Its 2020-to-2023 change ranks 795th of 1,224 Texas places, putting it near the 35th percentile for growth. At about 1,583 people per square mile, Grapevine is the 257th most densely settled place in Texas. In land area, Grapevine ranks 76th among Texas's 1,224 places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Grapevine if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Grapevine is the same as anywhere in Texas.
What loan size can I expect in Grapevine?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Grapevine?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Grapevine cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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