Kingsville at a glance
- Population: 24,586 people, the 130th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 25,406 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 3.2% since the 2020 count (US Census Bureau).
- Rank among Texas places: 130th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 89% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 27.5092 / -97.8610, per the US Census Bureau Gazetteer.
- Nearest larger cities: Corpus Christi, TX (45 mi); Edinburg, TX (84 mi); Harlingen, TX (92 mi); McAllen, TX (92 mi); San Juan, TX (93 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Bishop, TX (7 mi); Driscoll, TX (13 mi); Petronila, TX (18 mi), each a US Census place.
What a personal loan costs in Kingsville
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Kingsville
The table lists the Texas rules that apply to a loan made in Kingsville, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kingsville
A few practical steps will make the process in Kingsville 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.