Keene at a glance
- Population: roughly 6,860 people; 311th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 6,421 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 6.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 311th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 75% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 32.3961, -97.3235 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Joshua, TX (6 mi); Cleburne, TX (6 mi); Burleson, TX (8 mi); Crowley, TX (13 mi); Venus, TX (13 mi) (US Census Bureau populations).
- Smaller towns nearby: Coyote Flats, TX (3 mi); Cross Timber, TX (6 mi); Alvarado, TX (7 mi) (US Census Bureau).
What a personal loan costs in Keene
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Keene
Read the table as the compliance picture for a lender serving Keene: label, sourced figure, publisher and date.
| 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 Keene
These steps are the ones that most affect the offer you receive in Keene:
- 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.