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Personal loans in Keller, TX

For residents of Keller, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Census estimates count about 46,316 residents in Keller, making it the 78th-largest of 1,224 places in Texas. Texas law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

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

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Keller at a glance

  • Population: 46,316, the 78th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 45,763 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: about 1.2% growth over the 2020 Census base (US Census Bureau).
  • Rank among Texas places: 78th largest of 1,224 (US Census Bureau).
  • Size percentile: ahead of around 94% of Texas places in population terms (US Census Bureau).
  • Coordinates: the Census Gazetteer places it at 32.9329, -97.2245.
  • Nearest larger cities: North Richland Hills, TX (5 mi); Bedford, TX (8 mi); Grapevine, TX (9 mi); Flower Mound, TX (10 mi); Euless, TX (10 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places close by: Westlake, TX (4 mi); Watauga, TX (5 mi); Southlake, TX (5 mi) (US Census Bureau).

What a personal loan costs in Keller

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

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.

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.

Texas lending rules that apply in Keller

Read the table as the compliance picture for a lender serving Keller: label, sourced figure, publisher and date.

RuleDetailSource
Small-loan / installment lender licensingLicense 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 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

How to compare offers in Keller

Run through this list before signing anything in Keller:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Keller?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Keller are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Keller?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Keller require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Keller hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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