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Personal loans in Kirvin, TX

For residents of Kirvin, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Census data place Kirvin's population near 107, the 1,197th-largest among Texas's 1,224 Census places. The table below carries the Texas rate caps and licensing rules that apply to a personal loan taken out here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Kirvin at a glance

  • Population: 107 people, the 1,197th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 99 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: about 8.1% more residents than the 2020 Census base (US Census Bureau).
  • Rank among Texas places: 1,197th in population of 1,224 places (US Census Bureau).
  • Size percentile: ahead of around 2% of Texas places in population terms (US Census Bureau).
  • Coordinates: the Census Gazetteer places it at 31.7671, -96.3300.
  • Nearest larger cities: Wortham, TX (8 mi); Streetman, TX (8 mi); Teague, TX (10 mi); Fairfield, TX (10 mi); Mexia, TX (11 mi); each population is a US Census Bureau estimate.
  • Nearest smaller places: Powell, TX (24 mi); Neylandville, TX (100 mi); Corral City, TX (106 mi) (US Census Bureau estimates).

What a personal loan costs in Kirvin

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.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

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 Kirvin

The table lists the Texas rules that apply to a loan made in Kirvin, each with the regulator that published it.

RuleDetailSource
Payday lending statusLegal 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 licensingLicense 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 regulatorTexas 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 Kirvin

Before you commit to a personal loan in Kirvin, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Kirvin?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Kirvin are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Kirvin?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Kirvin require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Kirvin hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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