Grandview at a glance
- Population: the Census estimates 1,926 residents, ranking 614th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 1,863 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 3.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 614th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 50% of Texas places in population terms (US Census Bureau).
- Coordinates: 32.2684, -97.1789 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Alvarado, TX (10 mi); Venus, TX (12 mi); Keene, TX (12 mi); Cleburne, TX (15 mi); Midlothian, TX (18 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Itasca, TX (8 mi); Covington, TX (8 mi); Coyote Flats, TX (9 mi) — US Census Bureau populations.
What a personal loan costs in Grandview
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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 Grandview
The Texas rate caps and licensing rules that reach Grandview 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 Grandview
Run through this list before signing anything in Grandview:
- 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.