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Personal loans in Kemah, TX

In Kemah, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Census data place Kemah's population near 2,562, the 530th-largest among Texas's 1,224 Census places. Lenders in Texas work under state rate caps and licensing rules, each listed with its publisher in the table below.

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

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Kemah at a glance

  • Population: 2,562, the 530th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 1,805 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: a gain of roughly 41.9% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Texas places: 530th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: it exceeds roughly 57% of Texas's Census places by population (US Census Bureau).
  • Coordinates: 29.5286 / -95.0200, per the US Census Bureau Gazetteer.
  • Nearest larger cities within 120 miles: El Lago, TX (3 mi); Taylor Lake Village, TX (4 mi); Nassau Bay, TX (4 mi); Seabrook, TX (5 mi); Dickinson, TX (6 mi) (US Census Bureau).
  • Nearest smaller places: Clear Lake Shores, TX (1 mi); Shoreacres, TX (6 mi); Morgan's Point, TX (10 mi) (US Census Bureau estimates).

What a personal loan costs in Kemah

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Texas lending rules that apply in Kemah

Where a figure is not published by the state, the row points to the source instead of guessing.

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
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

How to compare offers in Kemah

The order below is a sensible way to approach a loan in Kemah:

  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 Kemah?
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 Kemah are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Kemah?
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 Kemah 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 Kemah 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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