Richland Hills at a glance
- Population: 8,323 people, the 280th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 8,614 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 3.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 280th in population of 1,224 places (US Census Bureau).
- Size percentile: about 77% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 32.8102 / -97.2265, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Haltom City, TX (3 mi); Hurst, TX (3 mi); North Richland Hills, TX (4 mi); Watauga, TX (4 mi); Bedford, TX (6 mi) (US Census Bureau).
- Smaller places close by: Blue Mound, TX (7 mi); Pantego, TX (8 mi); Dalworthington Gardens, TX (10 mi) (US Census Bureau).
What a personal loan costs in Richland Hills
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Richland Hills
The table lists the Texas rules that apply to a loan made in Richland Hills, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Richland Hills
Before you share your details with a lender in 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.