Killeen at a glance
- Population: a Census-estimated 159,643, placing it 19th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 153,143 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 4.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: the 19th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 98% of the places in Texas (US Census Bureau).
- Coordinates: mapped at 31.0777, -97.7320 by the US Census Bureau Gazetteer.
- Nearest larger cities: Austin, TX (54 mi); Arlington, TX (118 mi); Grand Prairie, TX (119 mi); Fort Worth, TX (120 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Harker Heights, TX (5 mi); Nolanville, TX (8 mi); Copperas Cove, TX (11 mi) (US Census Bureau).
What a personal loan costs in Killeen
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Killeen
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Killeen
Before you share your details with a lender in Killeen:
- 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.