Georgetown at a glance
- Population: about 96,312, 44th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 67,464 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 42.8% since the 2020 count (US Census Bureau).
- Rank among Texas places: 44th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 96% of Texas's Census places by population (US Census Bureau).
- Coordinates: 30.6681 latitude, -97.6987 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Round Rock, TX (10 mi); Austin, TX (26 mi); Killeen, TX (28 mi); Waco, TX (68 mi); New Braunfels, TX (71 mi) (US Census Bureau).
- Nearest smaller towns: Weir, TX (6 mi); Jarrell, TX (11 mi); Leander, TX (12 mi) — US Census Bureau populations.
What a personal loan costs in Georgetown
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Georgetown
The Texas rate caps and licensing rules that reach Georgetown are listed below, each with its source and retrieval 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 Georgetown
Here is a short checklist for comparing personal loans in Georgetown:
- 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.