Kountze at a glance
- Population: 2,131 people, the 582nd-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,962 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 8.6% since the 2020 count (US Census Bureau).
- Rank among Texas places: 582nd largest of 1,224 (US Census Bureau).
- Size percentile: ahead of around 52% of Texas places in population terms (US Census Bureau).
- Coordinates: latitude 30.3725, longitude -94.3157 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Silsbee, TX (8 mi); Lumberton, TX (10 mi); Beaumont, TX (22 mi); Vidor, TX (26 mi); Woodville, TX (28 mi) (US Census Bureau).
- Smaller towns nearby: Rose Hill Acres, TX (15 mi); Bevil Oaks, TX (16 mi); Sour Lake, TX (17 mi) (US Census Bureau).
What a personal loan costs in Kountze
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Kountze
Read the table as the compliance picture for a lender serving Kountze: label, sourced figure, publisher and date.
| 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 Kountze
The order below is a sensible way to approach a loan in Kountze:
- 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.