Hutto at a glance
- Population: 38,765 people, the 93rd-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 27,583 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 40.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: the 93rd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 92% of Texas places in population terms (US Census Bureau).
- Coordinates: it sits at 30.5416, -97.5442 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Round Rock, TX (7 mi); Pflugerville, TX (7 mi); Georgetown, TX (13 mi); Cedar Park, TX (16 mi); Leander, TX (19 mi) (US Census Bureau).
- Smaller places nearby: Taylor, TX (7 mi); Weir, TX (10 mi); Coupland, TX (11 mi), per US Census Bureau estimates.
What a personal loan costs in Hutto
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Hutto
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Hutto.
| 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 Hutto
Before you share your details with a lender in Hutto:
- 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.