Personal loans in Hilshire Village, TX

Hilshire Village shed about 0.6% of its population between the 2020 base and the 2023 estimate. Hilshire Village is one of 1,224 Census places in Texas; its 810 residents put it at 866th.

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.

Hilshire Village is a small community of about 810 residents, and a personal loan taken out here is governed by Texas statute. Compare APR, not the interest rate, because the APR folds in most fees on a Hilshire Village loan. Consumer lending that reaches Hilshire Village's 810 residents is governed by Texas statute; no city ordinance changes it. The closest larger place is Spring Valley Village, TX about 1 miles away.

Local context for Hilshire Village

Two layers matter for a Hilshire Village borrower: the local population picture and Texas's consumer-lending statutes.

Hilshire Village: area, density and distance

Hilshire Village covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 3,034 people per square mile. The largest place in Texas, Houston, lies about 6 miles away. Hilshire Village has 89 larger places within a 50-mile radius. Within the same 50 miles lie 23 smaller Census places.

How personal loans work in Hilshire Village

In Hilshire Village, a small community of about 810, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Hilshire Village lender to disclose the APR and finance charge before you sign. The term you choose in Hilshire Village decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Hilshire Village

With about 3,034 residents per square mile, Hilshire Village is fairly dense, and 89 larger Census places sit within 50 miles. What is available to Hilshire Village's 810 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Spring Valley Village, TX about 1 miles away.

The state rulebook for Hilshire Village

These are Texas's sourced lending facts as they reach Hilshire Village's 810 residents; the state has no city-level rate rule.

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

How Hilshire Village compares across Texas

Among Texas's 1,224 places, Hilshire Village sits at 866th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Hilshire Village stands 936th among Texas's 1,224 places — roughly the 24th percentile. Its roughly 3,034 residents per square mile place it 79th among Texas's places. Between 2020 and 2023 the count changed by roughly 5 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 Hilshire 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 Hilshire Village is the same as anywhere in Texas.
What loan size can I expect in Hilshire 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 Hilshire 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 Hilshire 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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