Johnson City at a glance
- Population: 2,037 — 593rd in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,758 (US Census Bureau).
- 2020 to 2023 change: up about 15.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 593rd in population of 1,224 places (US Census Bureau).
- Size percentile: larger than about 52% of the Census places in Texas (US Census Bureau).
- Coordinates: mapped at 30.2721, -98.4071 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Horseshoe Bay, TX (19 mi); Dripping Springs, TX (19 mi); Marble Falls, TX (21 mi); Granite Shoals, TX (22 mi); Briarcliff, TX (24 mi) (US Census Bureau populations).
- Nearest smaller places: Round Mountain, TX (9 mi); Blanco, TX (12 mi); Double Horn, TX (19 mi) (US Census Bureau estimates).
What a personal loan costs in Johnson City
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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 payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Johnson City
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Johnson City
Here is a short checklist for comparing personal loans in Johnson City:
- 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.