Granger at a glance
- Population: the Census estimates 1,193 residents, ranking 758th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 1,178 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 758th largest of 1,224 (US Census Bureau).
- Size percentile: it is larger than about 38% of the places in Texas (US Census Bureau).
- Coordinates: 30.7183, -97.4411 (US Census Bureau Gazetteer).
- Nearest larger cities: Bartlett, TX (5 mi); Taylor, TX (10 mi); Jarrell, TX (12 mi); Hutto, TX (14 mi); Georgetown, TX (16 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Weir, TX (9 mi); Holland, TX (12 mi); Thrall, TX (12 mi) (US Census Bureau).
What a personal loan costs in Granger
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Granger
The Texas rate caps and licensing rules that reach Granger are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Granger
Run through this list before signing anything in Granger:
- 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.