The Hills at a glance
- Population: about 2,372 residents, ranking 551st of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 2,623 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 9.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 551st of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 55% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: mapped at 30.3465, -97.9864 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Lakeway, TX (1 mi); Bee Cave, TX (3 mi); Lago Vista, TX (7 mi); Jonestown, TX (10 mi); West Lake Hills, TX (11 mi) (US Census Bureau).
- Nearest smaller communities: Point Venture, TX (3 mi); Briarcliff, TX (6 mi); Volente, TX (8 mi), each a US Census place.
What a personal loan costs in The Hills
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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 The Hills
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in The Hills.
| 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 The Hills
The steps below are worth completing first when you borrow in The 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.