Garland at a glance
- Population: 243,470 residents, the 13th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 246,121 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.1% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 13th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 99% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 32.9098, -96.6303 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Dallas, TX (11 mi); Plano, TX (12 mi); Irving, TX (20 mi); Arlington, TX (32 mi); Fort Worth, TX (43 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Rowlett, TX (5 mi); Sachse, TX (5 mi); Richardson, TX (6 mi) (US Census Bureau estimates).
What a personal loan costs in Garland
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Garland
The table lists the Texas rules that apply to a loan made in Garland, each with the regulator that published it.
| 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 Garland
Here is a short checklist for comparing personal loans in Garland:
- 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.