Garden Ridge at a glance
- Population: 4,359 (US Census Bureau, Vintage 2023 subcounty estimate), the 403rd-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 Census recorded 4,167 residents here (US Census Bureau).
- 2020 to 2023 change: about 4.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 403rd-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 67% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 29.6365, -98.2925 in the US Census Bureau Gazetteer.
- Nearest larger cities: Selma, TX (4 mi); Schertz, TX (6 mi); Universal City, TX (6 mi); Live Oak, TX (6 mi); Cibolo, TX (6 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Santa Clara, TX (8 mi); Marion, TX (10 mi); Hollywood Park, TX (12 mi) (US Census Bureau).
What a personal loan costs in Garden Ridge
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Garden Ridge
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 |
|---|---|---|
| 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 Garden Ridge
Run through this list before signing anything in Garden Ridge:
- 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.