Fair Oaks Ranch at a glance
- Population: 11,406 (US Census Bureau, Vintage 2023 subcounty estimate), the 223rd-largest of 1,224 places in Texas.
- 2020 Census base: 9,826 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 16.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: the 223rd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 82% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 29.7461, -98.6381 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Boerne, TX (6 mi); San Antonio, TX (21 mi); Live Oak, TX (22 mi); Selma, TX (22 mi); Universal City, TX (24 mi) (US Census Bureau populations).
- Nearest smaller communities: Grey Forest, TX (9 mi); Helotes, TX (12 mi); Shavano Park, TX (12 mi), each a US Census place.
What a personal loan costs in Fair Oaks Ranch
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Fair Oaks Ranch
The Texas rate caps and licensing rules that reach Fair Oaks Ranch are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fair Oaks Ranch
Before you share your details with a lender in Fair Oaks Ranch:
- 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.