Bee Cave at a glance
- Population: a Census-estimated 8,621, placing it 275th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 9,142 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population fell about 5.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 275th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 78% of the places in Texas (US Census Bureau).
- Coordinates: 30.3077 / -97.9626, per the US Census Bureau Gazetteer.
- Nearest larger cities: Lakeway, TX (4 mi); Lago Vista, TX (10 mi); Dripping Springs, TX (11 mi); Austin, TX (12 mi); Cedar Park, TX (16 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: The Hills, TX (3 mi); Point Venture, TX (6 mi); Briarcliff, TX (9 mi) (Census populations).
What a personal loan costs in Bee Cave
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Bee Cave
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bee Cave
Before you commit to a personal loan in Bee Cave, work through these steps:
- 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.