Personal loans in Kerrville, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kerrville, TX.
The median household in Kerrville earns $62,102 a year, 21% below the Texas median of $78,476. About 12% of residents live below the federal poverty line, and 40.9% of households rent their home.
Texas law that applies in Kerrville
| Rate cap | Under the true-daily-earnings method: 30% a year on the part of the cash advance up to the first bracket, 24% up to the second, and 18% up to the third. |
|---|---|
| License required | A Chapter 342 license is required to make, transact or negotiate loans that charge more than other law allows. |
| Loan sizes covered | The tiered rates apply to cash advances up to $23,000 (2026-27 bracket). |
Full rules with statute citations: Personal Loans in Texas. Cities in Texas cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Kerrville
Here's what to have on hand before you start your personal loan request in Kerrville:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Kerrville
What Kerrville borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Kerrville
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Kerrville
17 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Security State Bank & Trust | 2 | 1130 Junction Hwy, Kerrville 78028 |
| Centennial Bank | 2 | 1145 Junction Hwy, Kerrville 78028 |
| Prosperity Bank | 2 | 998 Sidney Baker St S, Kerrville 78028 |
| Sunflower Bank, National Association | 1 | 600 Main St, Kerrville 78028 |
| Wells Fargo Bank, National Association | 1 | 222 Sidney Baker St S, Kerrville 78028 |
| Broadway National Bank | 1 | 620 Main St, Kerrville 78028 |
| Fifth Third Bank, National Association | 1 | 1075 Junction Hwy, Kerrville 78028 |
| First National Bank Texas | 1 | 1216 Junction Hwy, Kerrville 78028 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kerrville
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Randolph-Brooks | 1801 Sidney Baker St, Kerrville 78028 |
| Kerr County | 3700 Memorial Blvd, Kerrville 78028 |
| Texhillco School Employees | 1018 Sidney Baker St, Kerrville 78028 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Kerr County · Payday Loans in Kerrville · Title Loans in Kerrville
Frequently asked questions
Can I get a personal loan with bad credit in Kerrville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Kerrville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Kerrville, TX?
Tiered caps for licensed Chapter 342 lenders: up to 30% a year on the first $4,600, 24% on the part from $4,600 to $9,660, and 18% on the part up to $23,000 (amounts for loans made July 1, 2026 to June 30, 2027). Small loans up to $1,840 may instead use an acquisition charge plus a monthly handling charge, which produces much higher APRs.
How fast can I get a personal loan in Kerrville?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan in Kerrville with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Kerrville residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Kerrville?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Kerrville residents can see installment loan offers with our free 3-minute form.
Can I get an emergency loan with bad credit in Kerrville?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Kerrville residents can see if they qualify in about 3 minutes.
How long does it take to get a personal loan in Kerrville?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Kerrville.
How do I apply for a personal loan with bad credit in Kerrville?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Do I need to visit a store in Kerrville?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.