Personal loans in Kilgore, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kilgore, TX.
The median household in Kilgore earns $66,295 a year, 16% below the Texas median of $78,476. About 17% of residents live below the federal poverty line, and 28.6% of households rent their home. 12.8% of households have no home internet; our form works on any phone.
Texas law that applies in Kilgore
| 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 Kilgore
Here's what to have on hand before you start your personal loan request in Kilgore:
- 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 Kilgore
What Kilgore borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Kilgore
- 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 Kilgore
8 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 1 | 2107 State Highway 42 N, Kilgore 75662 |
| Citizens Bank | 1 | 301 E Main St, Kilgore 75662 |
| The First National Bank of Hughes Springs | 1 | 5228 Fm 1252 W, Kilgore 75662 |
| Austin Bank, Texas National Association | 1 | 1006 Stone Rd, Kilgore 75662 |
| PNC Bank, National Association | 1 | 1200 N Kilgore St, Kilgore 75662 |
| VeraBank, National Association | 1 | 410 N Kilgore St, Kilgore 75662 |
| Origin Bank | 1 | 205 N Kilgore St, Kilgore 75662 |
| First National Bank Texas | 1 | 1201 Stone St, Kilgore 75662 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kilgore
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Credit Union Of Texas | 910 N Kilgore St, Kilgore 75662 |
| East Texas Professional | 304 N Kilgore St, Kilgore 75662 |
| Telco Plus | 510 E Lantrip St, Kilgore 75662 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Gregg County · Rusk County · Payday Loans in Kilgore · Title Loans in Kilgore
Frequently asked questions
Can I get a personal loan with bad credit in Kilgore?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Kilgore. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Kilgore, 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 Kilgore?
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 an emergency loan with bad credit in Kilgore?
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. Kilgore residents can see if they qualify in about 3 minutes.
How long does it take to get a personal loan in Kilgore?
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 Kilgore.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Kilgore borrowers who qualify.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Kilgore residents can see their options in about 3 minutes.
Do I need to visit a store in Kilgore?
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.