Volente at a glance
- Population: 503 (US Census Bureau, Vintage 2023 subcounty estimate), the 980th-largest of 1,224 places in Texas.
- 2020 Census base: 562 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a loss of about 10.5% since the 2020 count (US Census Bureau).
- Rank among Texas places: 980th in population of 1,224 places (US Census Bureau).
- Size percentile: about 20% of places in Texas are smaller (US Census Bureau).
- Coordinates: 30.4453, -97.9079 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Jonestown, TX (3 mi); Lago Vista, TX (5 mi); Point Venture, TX (7 mi); Cedar Park, TX (7 mi); Lakeway, TX (8 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Bear Creek, TX (18 mi); Double Horn, TX (19 mi); Hays, TX (22 mi) (US Census Bureau estimates).
What a personal loan costs in Volente
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Volente
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Volente.
| 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 Volente
A few practical steps will make the process in Volente less costly:
- 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.