Personal loans in Kountze, TX

The first question in Kountze is not the rate on offer but whether the payment fits; about 2,131 people live here under Texas lending law.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Rate-shopping from Kountze costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Roughly 2,131 residents live in Kountze, the 582nd-largest community in Texas. To lend to Kountze's 2,131 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. Census figures put the 2020-to-2023 increase in Kountze at about 8.6%. The closest larger city is Silsbee, TX about 8 miles away.

Where Kountze stands

Kountze is a small community; the notes below cover its population profile and the statewide rules that apply.

The geography behind Kountze

Inside Kountze's boundaries lie about 4.0 square miles of land, with no significant water area recorded. The resulting density is about 536 people per square mile. For the state's biggest city, Houston, the distance is roughly 76 miles. A 50-mile radius around Kountze takes in 20 places that are larger. By land area it ranks 445th of 1,224 Texas places.

Kountze's place among Texas's 1,224 places

Kountze is the 582nd-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Kountze stands 275th among Texas's 1,224 places — roughly the 78th percentile. By density, at about 536 people per square mile, it ranks 859th in Texas. In land area, Kountze ranks 445th among Texas's 1,224 places.

What Texas law requires in Kountze

The rows below set out what a licensed lender must follow in Texas, and so for Kountze's roughly 2,131 residents.

RuleDetailSource
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
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

Steps to take before a Kountze loan

Complete these steps first when you borrow in Kountze (2,131 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

The process is identical across Texas; what changes is your credit file, not the fact that Kountze holds 2,131 people.

Lender access in Kountze

With about 536 residents per square mile, Kountze is moderately settled, and 20 larger Census places sit within 50 miles. Distance to a branch rarely matters for Kountze's 2,131 residents: the application is online and the price follows your credit file. The nearest larger city, Silsbee, TX about 8 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Kountze if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Kountze is the same as anywhere in Texas.
What loan size can I expect in Kountze?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Kountze?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Kountze cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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