Personal loans in Castle Hills, TX
A lender serving Castle Hills holds a Texas licence and answers to a Texas regulator; no city office is involved for its 3,907 residents. With 3,907 residents, Castle Hills outranks about 65% of the communities in Texas.
Castle Hills lost roughly 1.8% of its population across the 2020-to-2023 comparison. Rate-shopping from Castle Hills costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The next larger city is Alamo Heights, TX about 4 miles away. Rate ceilings, licensing requirements and product limits for Castle Hills are all set at the Texas level.
The Castle Hills data picture
Most of what governs a Castle Hills loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.
- Population: 3,907 people, a figure that places Castle Hills 427th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.8% since the 2020 count.
- People gained or lost: about 70 fewer since the 2020 base.
- Size percentile: Castle Hills sits ahead of around 65% of Texas places, at 3,907 people.
- Population density: 1,582 people per square mile on 2.5 square miles of land.
- Land area: Castle Hills covers 2.5 square miles, the 593rd-largest area among Texas's 1,224 places.
- State population share: Castle Hills accounts for about 0.0% of everyone in Texas.
- National standing: Castle Hills ranks 5,502nd of 19,457 US places.
- Growth rank: Castle Hills's 2020-to-2023 change ranks 1,032nd of 1,224 places in Texas.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Castle Hills's 1.8%.
- Density rank: Castle Hills places 258th among Texas's places by people per square mile.
- Against the state median: Castle Hills runs about 1,582 residents per square mile, where the Texas median is 840.
- Location: the Census Gazetteer records it at 29.5247, -98.5191.
- Nearest larger cities: Alamo Heights (4 mi); San Antonio (4 mi); Terrell Hills (5 mi); Leon Valley (6 mi); Windcrest (8 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Balcones Heights (3 mi); Olmos Park (4 mi); Hill Country Village (4 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 33 smaller Census places.
- Larger places within 100 miles: 60.
The geography behind Castle Hills
Castle Hills covers about 2.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,582 people per square mile. The largest place in Texas, Houston, lies about 189 miles away. A 50-mile radius around Castle Hills takes in 26 places that are larger. The 100-mile radius contains 60 larger places.
Where Castle Hills sits in Texas
Within Texas, Castle Hills holds roughly 0.0% of all residents, the 427th-largest share among 1,224 places. For population change between 2020 and 2023, Castle Hills ranks 1,032nd of 1,224 in Texas (about the 16th percentile). At about 1,582 people per square mile, Castle Hills is the 258th most densely settled place in Texas. Within 50 miles sit 33 smaller Census places, alongside the 26 that are larger.
Which Texas laws govern a loan in Castle Hills
Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Castle Hills lender must follow.
| 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 |
Lender access in Castle Hills
At roughly 1,582 people per square mile, Castle Hills is moderately settled; 26 larger places lie within 50 miles. A Texas licence lets a lender serve Castle Hills without a local office, so branch density does not change what its 3,907 residents are offered. For a larger market, the closest option is Alamo Heights, TX about 4 miles away.
The Castle Hills borrowing checklist
Before you hand your details to a lender in Castle Hills, where the population is near 3,907:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Check the Texas regulator's records to confirm the lender is licensed here.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
What differs between Castle Hills and the rest of Texas is not the process but the borrower's own file, among the 3,907 people here.
Common questions
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Nearby places
- Balcones Heights, TX — population 2,689
- Olmos Park, TX — population 2,161
- San Antonio, TX — population 1,495,295
- Alamo Heights, TX — population 7,466
- Hill Country Village, TX — population 947
- Shavano Park, TX — population 3,722
- Hollywood Park, TX — population 3,074
- Terrell Hills, TX — population 5,059