St. Hedwig at a glance
- Population: a Census-estimated 2,319, placing it 557th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,225 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 4.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: the 557th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 54% of Texas places in population terms (US Census Bureau).
- Coordinates: 29.4202, -98.2070 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Converse, TX (9 mi); Schertz, TX (10 mi); Cibolo, TX (10 mi); Universal City, TX (11 mi); Kirby, TX (11 mi); US Census Bureau population estimates.
- Smaller places nearby: La Vernia, TX (7 mi); New Berlin, TX (8 mi); China Grove, TX (9 mi), per US Census Bureau estimates.
What a personal loan costs in St. Hedwig
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less 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 St. Hedwig
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 St. Hedwig
The steps below are worth completing first when you borrow in St. Hedwig:
- 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.