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%.

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.

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.

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.

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 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.

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 The Hills 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 The Hills is the same as anywhere in Texas.
What loan size can I expect in The Hills?
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 The Hills?
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 The Hills 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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