Bandera at a glance
- Population: the Census estimates 879 residents, ranking 837th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 824 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up roughly 6.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 837th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 32% of the places in Texas (US Census Bureau).
- Coordinates: 29.7251 / -99.0743, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Boerne, TX (21 mi); Kerrville, TX (22 mi); Helotes, TX (26 mi); Hondo, TX (26 mi); Fair Oaks Ranch, TX (26 mi) (US Census Bureau).
- Nearest smaller towns: Grey Forest, TX (25 mi); Spring Branch, TX (41 mi); Leakey, TX (41 mi) — US Census Bureau populations.
What a personal loan costs in Bandera
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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 Bandera
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 to compare offers in Bandera
Here is a short checklist for comparing personal loans in Bandera:
- 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.