Kingsbury at a glance
- Population: about 137, 1,184th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 136 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.7% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 1,184th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 3% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: latitude 29.6500, longitude -97.8186 (US Census Bureau Gazetteer).
- Nearest larger cities: Staples, TX (8 mi); Seguin, TX (10 mi); Luling, TX (11 mi); Martindale, TX (14 mi); San Marcos, TX (17 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Round Mountain, TX (61 mi); Round Top, TX (73 mi); Austwell, TX (105 mi) — US Census Bureau populations.
What a personal loan costs in Kingsbury
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total 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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Kingsbury
The table lists the Texas rules that apply to a loan made in Kingsbury, each with the regulator that published it.
| 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 Kingsbury
Run through this list before signing anything in Kingsbury:
- 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.