Personal loans in The Hills, TX
Two households in The Hills with comparable incomes can still be offered different rates; the city's 2,372 residents are not the reason. Census figures put the 2020-to-2023 decrease in The Hills at about 9.6%.
At about 2,372 residents, The Hills is larger than roughly 55% of the places in Texas. Pull your credit reports and line up at least three offers before you apply from The Hills. Consumer lending that reaches The Hills's 2,372 residents is governed by Texas statute; no city ordinance changes it. The next larger city is Lakeway, TX about 1 miles away.
Local context for The Hills
The figures below are The Hills's own — Census population, land area and coordinates — followed by the Texas rules.
- Population: a Census-estimated 2,372, 551st among Texas's 1,224 places (Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 9.6%.
- People gained or lost: about 251 fewer since the 2020 base.
- Size percentile: The Hills sits ahead of around 55% of Texas places, at 2,372 people.
- Population density: about 2,213 people per square mile (Census land area 1.1 sq mi).
- By land area: The Hills ranks 982nd among Texas's 1,224 places, at 1.1 sq mi.
- Share of Texas: The Hills holds about 0.0% of the state's population, some 2,372 people.
- National standing: The Hills ranks 7,020th of 19,457 US places.
- Growth rank: The Hills's 2020-to-2023 change ranks 1,220th of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while The Hills moved 9.6%.
- Density in Texas: The Hills ranks 147th by people per square mile.
- Density in context: The Hills's 2,213 people per square mile sit against a Texas median of 840.
- Location: 30.3465, -97.9864 (Census Gazetteer coordinates).
- Nearest larger cities: Lakeway (1 mi); Bee Cave (3 mi); Lago Vista (7 mi); Jonestown (10 mi); West Lake Hills (11 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Point Venture (3 mi); Briarcliff (6 mi); Volente (8 mi).
- Within a 50-mile radius: 35 smaller Census places.
- Larger places within 100 miles: 99.
What Texas law requires in The Hills
The rows below set out what a licensed lender must follow in Texas, and so for The Hills's roughly 2,372 residents.
| 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 |
The Hills against the rest of Texas
Among Texas's 1,224 places, The Hills sits at 551st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, The Hills ranks 1,220th of 1,224 in Texas (about the 0th percentile). By density, at about 2,213 people per square mile, it ranks 147th in Texas. The population moved by about 251 people between 2020 and 2023, a 9.6% shift.
What a The Hills borrower is actually offered
In The Hills, a small community of about 2,372, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a The Hills loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a The Hills loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Land, water and location for The Hills
The Census Gazetteer records about 1.1 square miles of land within The Hills, with no significant water area listed. That land carries about 2,213 people per square mile. Houston, the largest place in Texas, is about 160 miles from The Hills. A 50-mile radius around The Hills takes in 32 places that are larger. By land area it ranks 982nd of 1,224 Texas places.
Lender access in The Hills
At roughly 2,213 people per square mile, The Hills is fairly dense; 32 larger places lie within 50 miles. Distance to a branch rarely matters for The Hills's 2,372 residents: the application is online and the price follows your credit file. The nearest bigger place is Lakeway, TX about 1 miles away.
Common questions
What are my options in The Hills if my credit is poor?
What loan size can I expect in The Hills?
Do I have to pledge anything to borrow in The Hills?
Does comparing loans in The Hills cost me credit score points?
Nearby places
- Lakeway, TX — population 19,189
- Point Venture, TX — population 1,257
- Bee Cave, TX — population 8,621
- Briarcliff, TX — population 2,263
- Lago Vista, TX — population 10,009
- Volente, TX — population 503
- Jonestown, TX — population 2,595
- Bear Creek, TX — population 447