Kempner at a glance
- Population: roughly 1,269 people; 740th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,147 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 10.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: the 740th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 40% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 31.0755, -97.9727.
- Nearest larger cities: Copperas Cove, TX (5 mi); Lampasas, TX (12 mi); Killeen, TX (14 mi); Harker Heights, TX (19 mi); Nolanville, TX (22 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Florence, TX (19 mi); Lometa, TX (27 mi); Evant, TX (30 mi), per US Census Bureau estimates.
What a personal loan costs in Kempner
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Kempner
The Texas rate caps and licensing rules that reach Kempner are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kempner
These steps are the ones that most affect the offer you receive in Kempner:
- 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.