Grey Forest at a glance
- Population: 488 people, the 985th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 486 (US Census Bureau).
- 2020 to 2023 change: up about 0.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 985th by size among 1,224 communities (US Census Bureau).
- Size percentile: about 20% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 29.6157, -98.6833 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Helotes, TX (3 mi); Shavano Park, TX (8 mi); Leon Valley, TX (9 mi); Fair Oaks Ranch, TX (9 mi); Castle Hills, TX (12 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Spring Branch, TX (24 mi); Kingsbury, TX (52 mi); Staples, TX (53 mi), per US Census Bureau estimates.
What a personal loan costs in Grey Forest
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Grey Forest
Read the table as the compliance picture for a lender serving Grey Forest: label, sourced figure, publisher and 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 Grey Forest
The steps below are worth completing first when you borrow in Grey Forest:
- 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.