Kerrville at a glance
- Population: 24,930 people, the 128th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 24,291 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 2.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 128th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 90% of the Census places in Texas (US Census Bureau).
- Coordinates: 30.0383, -99.1311 (US Census Bureau Gazetteer).
- Nearest larger cities: San Antonio, TX (54 mi); Converse, TX (61 mi); Schertz, TX (62 mi); Cibolo, TX (64 mi); New Braunfels, TX (65 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Ingram, TX (7 mi); Fredericksburg, TX (22 mi); Bandera, TX (22 mi) (US Census Bureau).
What a personal loan costs in Kerrville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Kerrville
Read the table as the compliance picture for a lender serving Kerrville: label, sourced figure, publisher and date.
| 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 |
| 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 |
How to compare offers in Kerrville
Before you share your details with a lender in Kerrville:
- 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.