Kennedale at a glance
- Population: roughly 10,052 people; 244th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 8,519 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 18.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 244th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 80% of Texas places in population terms (US Census Bureau).
- Coordinates: latitude 32.6440, longitude -97.2172 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Forest Hill, TX (3 mi); Arlington, TX (7 mi); Mansfield, TX (8 mi); Crowley, TX (9 mi); Burleson, TX (11 mi) (US Census Bureau).
- Smaller places close by: Everman, TX (4 mi); Dalworthington Gardens, TX (5 mi); Pantego, TX (6 mi) (US Census Bureau).
What a personal loan costs in Kennedale
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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 Kennedale
The table lists the Texas rules that apply to a loan made in Kennedale, each with the regulator that published it.
| 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 Kennedale
Before you share your details with a lender in Kennedale:
- 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.