Personal loans in Hillcrest Village, TX

Consumer lending that reaches Hillcrest Village's 691 residents is governed by Texas statute; no city ordinance changes it. About 691 people live in Hillcrest Village, placing it 907th of 1,224 Census places in Texas.

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

Compare loan offers Run the numbers first

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.

Hillcrest Village is a small community of about 691 residents, and a personal loan taken out here is governed by Texas statute. From the 2020 Census base to the 2023 estimate, the population declined by about 2.3%. Use the calculator on this page to price an amount and term before you commit in Hillcrest Village. The closest larger place is Alvin, TX about 2 miles away.

Hillcrest Village: the sourced local profile

Set out below is Hillcrest Village's local context next to the state-level rules that reach every lender here.

Hillcrest Village on the map

The Census Gazetteer records about 0.4 square miles of land within Hillcrest Village, with no significant water area listed. With 691 residents, the land area yields roughly 1,570 people per square mile. Houston, the largest place in Texas, is about 29 miles from Hillcrest Village. A 50-mile radius around Hillcrest Village takes in 76 places that are larger. Within the same 50 miles lie 10 smaller Census places.

What Texas law requires in Hillcrest Village

Below are the Texas rules that apply to a loan made in Hillcrest Village, each with the regulator that issued it.

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
Small-loan / installment lender licensingLicense 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
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

Hillcrest Village against the rest of Texas

Against Texas's other places, Hillcrest Village accounts for about 0.0% of the state's population and ranks 907th of 1,224 by size. Its 2020-to-2023 change ranks 1,062nd of 1,224 Texas places, putting it near the 13th percentile for growth. At about 1,570 people per square mile, Hillcrest Village is the 261st most densely settled place in Texas. The population moved by about 16 people between 2020 and 2023, a 2.3% shift.

What is available to Hillcrest Village borrowers

Hillcrest Village is moderately settled, with about 1,570 people per square mile and 76 larger places within 50 miles. Distance to a branch rarely matters for Hillcrest Village's 691 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Alvin, TX about 2 miles away.

Before you apply in Hillcrest Village

Before you apply in Hillcrest Village, a community of about 691, work through these steps:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  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. Pick the shortest term whose payment you can comfortably afford.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Hillcrest Village-specific: the same Texas licensing and disclosure rules reach all 691 residents.

Compare personal loan offers Run the numbers first

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 Hillcrest Village 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 Hillcrest Village is the same as anywhere in Texas.
What loan size can I expect in Hillcrest Village?
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 Hillcrest Village?
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 Hillcrest Village 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.

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