Grapevine at a glance
- Population: 50,928 people, the 72nd-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 50,635 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 0.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 72nd largest of 1,224 (US Census Bureau).
- Size percentile: it is larger than about 94% of the places in Texas (US Census Bureau).
- Coordinates: latitude 32.9350, longitude -97.0759 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Euless, TX (6 mi); Flower Mound, TX (7 mi); Irving, TX (8 mi); North Richland Hills, TX (10 mi); Lewisville, TX (10 mi) (US Census Bureau).
- Nearest smaller towns: Southlake, TX (4 mi); Colleyville, TX (5 mi); Coppell, TX (5 mi) — US Census Bureau populations.
What a personal loan costs in Grapevine
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Grapevine
The Texas rate caps and licensing rules that reach Grapevine 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 Grapevine
Before you share your details with a lender in Grapevine:
- 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.