Personal loans in Kingsville, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kingsville, TX.
The median household in Kingsville earns $58,148 a year, 26% below the Texas median of $78,476. About 31% of residents live below the federal poverty line, and 55.8% of households rent their home. 10.5% of households have no home internet; our form works on any phone.
Texas law that applies in Kingsville
| 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 Kingsville
Most Kingsville applicants can finish in one sitting if they have these ready:
- 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 Kingsville
What Kingsville borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Kingsville
- 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 Kingsville
7 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of South Texas | 2 | 300 E King Ave, Kingsville 78363 |
| Kleberg Bank, N.A. | 1 | 100 E Kleberg Ave, Kingsville 78363 |
| Wells Fargo Bank, National Association | 1 | 601 S 14th St, Kingsville 78363 |
| Prosperity Bank | 1 | 1830 S Brahma Blvd, Kingsville 78363 |
| First Community Bank | 1 | 2525 S Brahma Blvd, Kingsville 78363 |
| International Bank of Commerce | 1 | 1320 E General Cavazos Blvd, Kingsville 78363 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Kingsville
5 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 500 Moffett Ave, Kingsville 78363 |
| Rally | 2940 S Brahma Blvd, Kingsville 78363 |
| Coastlife | 1209 W King Ave, Kingsville 78363 |
| Chemcel | 1901 S Us Highway 77 Byp, Kingsville 78363 |
| Texas Community | 605 E Caesar Ave, Kingsville 78363 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Kleberg County · Payday Loans in Kingsville · Title Loans in Kingsville
Frequently asked questions
Can I get a personal loan with bad credit in Kingsville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Kingsville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Kingsville, 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 Kingsville?
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.
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 Kingsville borrowers who qualify.
Where can I find a loan for bad credit in Kingsville?
You can apply at local banks and lenders in Kingsville, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How long does it take to get a personal loan in Kingsville?
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 Kingsville.
How can I get an emergency loan in Kingsville?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
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.
Do I need to visit a store in Kingsville?
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.