Liberty Hill at a glance
- Population: 10,428 residents, the 237th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,652 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 185.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 237th largest of 1,224 (US Census Bureau).
- Size percentile: roughly 81% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: mapped at 30.6634, -97.9055 by the US Census Bureau Gazetteer.
- Nearest larger cities: Leander, TX (7 mi); Cedar Park, TX (12 mi); Georgetown, TX (12 mi); Round Rock, TX (17 mi); Lakeway, TX (22 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Bertram, TX (11 mi); Jonestown, TX (13 mi); Florence, TX (14 mi) (US Census Bureau).
What a personal loan costs in Liberty Hill
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Liberty Hill
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Liberty Hill
These steps are the ones that most affect the offer you receive in Liberty Hill:
- 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.