Schertz at a glance
- Population: about 43,239 residents, ranking 82nd of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 42,017 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 2.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 82nd by size among 1,224 communities (US Census Bureau).
- Size percentile: about 93% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 29.5633 latitude, -98.2509 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: New Braunfels, TX (12 mi); San Antonio, TX (18 mi); San Marcos, TX (29 mi); Kyle, TX (37 mi); Austin, TX (59 mi); US Census Bureau population estimates.
- Nearest smaller communities: Cibolo, TX (2 mi); Universal City, TX (3 mi); Selma, TX (4 mi), each a US Census place.
What a personal loan costs in Schertz
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Schertz
The table lists the Texas rules that apply to a loan made in Schertz, each with the regulator that published it.
| 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 Schertz
These steps are the ones that most affect the offer you receive in Schertz:
- 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.