Elmendorf at a glance
- Population: 2,398 people, the 546th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,863 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 28.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 546th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 55% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 29.2533, -98.3230 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Sandy Oaks, TX (7 mi); Floresville, TX (12 mi); Kirby, TX (15 mi); Terrell Hills, TX (17 mi); Converse, TX (18 mi) (US Census Bureau).
- Smaller places nearby: China Grove, TX (10 mi); St. Hedwig, TX (13 mi); La Vernia, TX (14 mi), per US Census Bureau estimates.
What a personal loan costs in Elmendorf
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Elmendorf
Read the table as the compliance picture for a lender serving Elmendorf: label, sourced figure, publisher and date.
| 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 Elmendorf
Run through this list before signing anything in Elmendorf:
- 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.