Windcrest at a glance
- Population: about 5,759, 348th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,868 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 1.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 348th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 72% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 29.5148 latitude, -98.3813 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Kirby, TX (4 mi); Live Oak, TX (4 mi); Converse, TX (5 mi); Universal City, TX (5 mi); Alamo Heights, TX (6 mi); US Census Bureau population estimates.
- Nearest smaller towns: Terrell Hills, TX (5 mi); Olmos Park, TX (7 mi); Hill Country Village, TX (8 mi) (US Census Bureau).
What a personal loan costs in Windcrest
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Windcrest
The Texas rate caps and licensing rules that reach Windcrest are listed below, each with its source and retrieval date.
| 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 Windcrest
Here is a short checklist for comparing personal loans in Windcrest:
- 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.