Alamo Heights at a glance
- Population: 7,466 residents, the 297th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 7,361 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 1.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 297th out of 1,224 Census places (US Census Bureau).
- Size percentile: about 76% of places in Texas are smaller (US Census Bureau).
- Coordinates: latitude 29.4828, longitude -98.4682 (US Census Bureau Gazetteer).
- Nearest larger cities: San Antonio, TX (4 mi); Kirby, TX (5 mi); Leon Valley, TX (9 mi); Live Oak, TX (9 mi); Converse, TX (10 mi), each a US Census place with its estimated population.
- Smaller places nearby: Olmos Park, TX (1 mi); Terrell Hills, TX (1 mi); Castle Hills, TX (4 mi), per US Census Bureau estimates.
What a personal loan costs in Alamo Heights
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Alamo Heights
Read the table as the compliance picture for a lender serving Alamo Heights: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Small-loan / installment lender licensing | License 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 |
| 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 |
How to compare offers in Alamo Heights
Here is a short checklist for comparing personal loans in Alamo Heights:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.