Horseshoe Bay at a glance
- Population: 5,063 (US Census Bureau, Vintage 2023 subcounty estimate), the 374th-largest of 1,224 places in Texas.
- 2020 Census base: 4,260 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 18.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 374th in population of 1,224 places (US Census Bureau).
- Size percentile: roughly 69% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 30.5408, -98.3806 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Granite Shoals, TX (3 mi); Marble Falls, TX (6 mi); Burnet, TX (17 mi); Lago Vista, TX (24 mi); Lakeway, TX (27 mi), each a US Census place with its estimated population.
- Smaller places close by: Cottonwood Shores, TX (3 mi); Sunrise Beach Village, TX (4 mi); Highland Haven, TX (5 mi) (US Census Bureau).
What a personal loan costs in Horseshoe Bay
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Horseshoe Bay
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Horseshoe Bay
Before you commit to a personal loan in Horseshoe Bay, work through these steps:
- 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.