Kosse at a glance
- Population: 462 residents, the 998th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 458 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 0.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 998th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 18% of the places in Texas (US Census Bureau).
- Coordinates: it sits at 31.3074, -96.6294 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Bremond, TX (10 mi); Marlin, TX (16 mi); Groesbeck, TX (16 mi); Mart, TX (20 mi); Franklin, TX (21 mi) (US Census Bureau).
- Nearest smaller towns: Thornton, TX (8 mi); Marquez, TX (23 mi); Hallsburg, TX (24 mi) — US Census Bureau populations.
What a personal loan costs in Kosse
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Kosse
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 |
|---|---|---|
| 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 Kosse
The steps below are worth completing first when you borrow in Kosse:
- 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.