Kendleton at a glance
- Population: 352, the 1,060th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 345 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up roughly 2.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 1,060th out of 1,224 Census places (US Census Bureau).
- Size percentile: about 13% of places in Texas are smaller (US Census Bureau).
- Coordinates: latitude 29.4438, longitude -96.0066 (US Census Bureau Gazetteer).
- Nearest larger cities: Beasley, TX (7 mi); East Bernard, TX (7 mi); Wharton, TX (10 mi); Needville, TX (11 mi); Pleak, TX (12 mi); US Census Bureau population estimates.
- Nearest smaller places: Orchard, TX (11 mi); South Frydek, TX (21 mi); Thompsons, TX (22 mi) (US Census Bureau estimates).
What a personal loan costs in Kendleton
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Kendleton
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kendleton
The steps below are worth completing first when you borrow in Kendleton:
- 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.