Kenedy at a glance
- Population: a Census-estimated 3,403, placing it 460th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 3,486 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 2.4% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 460th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 62% of Texas's Census places by population (US Census Bureau).
- Coordinates: 28.8088, -97.8537 (US Census Bureau Gazetteer).
- Nearest larger cities: Beeville, TX (29 mi); Floresville, TX (30 mi); Cuero, TX (40 mi); Pleasanton, TX (40 mi); Jourdanton, TX (42 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Karnes City, TX (6 mi); Runge, TX (10 mi); Falls City, TX (16 mi), per US Census Bureau estimates.
What a personal loan costs in Kenedy
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Kenedy
The Texas rate caps and licensing rules that reach Kenedy are listed below, each with its source and retrieval 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 Kenedy
A few practical steps will make the process in Kenedy 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.