Universal City at a glance
- Population: the Census estimates 20,028 residents, ranking 151st of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 19,715 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up roughly 1.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: the 151st-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 88% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: latitude 29.5520, longitude -98.3076 (US Census Bureau Gazetteer).
- Nearest larger cities: Converse, TX (3 mi); Schertz, TX (3 mi); Cibolo, TX (6 mi); San Antonio, TX (14 mi); New Braunfels, TX (15 mi); US Census Bureau population estimates.
- Nearest smaller places: Live Oak, TX (2 mi); Selma, TX (2 mi); Windcrest, TX (5 mi) (US Census Bureau estimates).
What a personal loan costs in Universal City
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Universal City
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Universal City.
| 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 Universal City
The steps below are worth completing first when you borrow in Universal City:
- 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.