Kirbyville at a glance
- Population: 2,026 (US Census Bureau, Vintage 2023 subcounty estimate), the 595th-largest of 1,224 places in Texas.
- 2020 Census base: 2,032 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down about 0.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 595th in population of 1,224 places (US Census Bureau).
- Size percentile: roughly 51% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 30.6582, -93.9001 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Jasper, TX (19 mi); Silsbee, TX (27 mi); DeQuincy, LA (31 mi); Kountze, TX (32 mi); Woodville, TX (32 mi) (US Census Bureau).
- Smaller towns nearby: Newton, TX (16 mi); Merryville, LA (23 mi); Ivanhoe, TX (31 mi) (US Census Bureau).
What a personal loan costs in Kirbyville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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 Kirbyville
The table lists the Texas rules that apply to a loan made in Kirbyville, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Kirbyville
These steps are the ones that most affect the offer you receive in Kirbyville:
- 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.