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.
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.
- Population: about 2,131, ranked 582nd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: About 8.6% above the 2020 Census base.
- Absolute change: 169 residents added between 2020 and 2023.
- Size percentile: Kountze sits ahead of around 52% of Texas places, at 2,131 people.
- Population density: about 536 people per square mile across 4.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Kountze's 4.0 square miles rank 445th of 1,224 places in Texas.
- Within Texas: about 0.0% of the state's population lives in Kountze.
- National rank: Kountze sits 7,408th by population among the 19,457 places in this dataset.
- Growth rank: Kountze ranks 275th among Texas's 1,224 places for the 2020-to-2023 change.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Kountze's 8.6%.
- Density rank: Kountze places 859th among Texas's places by people per square mile.
- Density in context: Kountze's 536 people per square mile sit against a Texas median of 840.
- Location: the Census Gazetteer records it at 30.3725, -94.3157.
- Nearest larger cities: Silsbee (8 mi); Lumberton (10 mi); Beaumont (22 mi); Vidor (26 mi); Woodville (28 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Rose Hill Acres (15 mi); Bevil Oaks (16 mi); Sour Lake (17 mi), each with its own Census population profile.
- Smaller places within 50 miles: 27 of them.
- At 100 miles: 92 larger Census places fall inside that radius.
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.
| 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 |
Steps to take before a Kountze loan
Complete these steps first when you borrow in Kountze (2,131 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Look the lender up in the Texas regulator's licence records before you sign.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- 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.
Common questions
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Nearby places
- Silsbee, TX — population 6,775
- Lumberton, TX — population 14,129
- Rose Hill Acres, TX — population 331
- Bevil Oaks, TX — population 1,041
- Sour Lake, TX — population 1,851
- Ivanhoe, TX — population 1,377
- China, TX — population 1,282
- Beaumont, TX — population 112,193