North Richland Hills at a glance
- Population: the Census estimates 70,658 residents, ranking 58th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 69,915 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 1.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 58th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 95% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 32.8606, -97.2191 (US Census Bureau Gazetteer).
- Nearest larger cities: Fort Worth, TX (9 mi); Arlington, TX (12 mi); Flower Mound, TX (14 mi); Irving, TX (14 mi); Grand Prairie, TX (17 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Watauga, TX (2 mi); Hurst, TX (3 mi); Richland Hills, TX (4 mi) (Census populations).
What a personal loan costs in North Richland Hills
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 North Richland Hills
The Texas rate caps and licensing rules that reach North Richland Hills are listed below, each with its source and retrieval 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 North Richland Hills
These steps are the ones that most affect the offer you receive in North Richland Hills:
- 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.