Kyle at a glance
- Population: 62,548 (US Census Bureau, Vintage 2023 subcounty estimate), the 62nd-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 Census recorded 45,710 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 36.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 62nd of the state's 1,224 Census places (US Census Bureau).
- Size percentile: it is larger than about 95% of the places in Texas (US Census Bureau).
- Coordinates: 29.9941, -97.8833 (US Census Bureau Gazetteer).
- Nearest larger cities: San Marcos, TX (9 mi); Austin, TX (22 mi); New Braunfels, TX (25 mi); Pflugerville, TX (36 mi); Cedar Park, TX (36 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Mountain City, TX (3 mi); Uhland, TX (6 mi); Buda, TX (6 mi) (US Census Bureau estimates).
What a personal loan costs in Kyle
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Kyle
The Texas rate caps and licensing rules that reach Kyle are listed below, each with its source and retrieval date.
| 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 Kyle
Before you commit to a personal loan in Kyle, work through these steps:
- 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.