Best Personal Loans in Killeen, TX: Top Lenders & Best Picks for You

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Edited byAliha Strange
Edited byAliha Strange

Updated: December 28, 2023

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MoneyGeek's Picks for Best Personal Loan Lenders in Killeen, TX

MoneyGeek assessed several personal loan providers in Killeen based on a number of factors, including APR ranges, minimum credit score, income requirements, loan disbursement times, payback terms, fees and more.

We determined that Truist is the city's best overall personal loan provider. Upstart offers the best personal loans for people with poor credit, but SoFi is the better option for those with good credit. Upgrade and Best Egg are the best options if you intend to use your personal loan for debt consolidation or home improvement, respectively.

Best Overall Personal Loan Lender in Killeen: Truist


Best Personal Loan Lender for Bad Credit in Killeen: Upstart


Best Personal Loan Lender for Good Credit in Killeen: SoFi


Best Personal Loan Lender for Debt Consolidation in Killeen: Upgrade


Best Personal Loan Lender for Home Improvement in Killeen: Best Egg


Where to Start: How to Choose the Best Personal Loan Lender in Killeen for You

In Texas, the average personal loan amount is $15,505. Personal loan applications are approved based on varying lending standards, but lenders usually evaluate a candidate's credit history with other indicators of their ability to repay the loan.

MoneyGeek provides a step-by-step list of potential steps you could take while applying for a personal loan in Killeen.

Ask Yourself the Important Questions

Before selecting a lender, consider your objectives and other financial factors, such as your credit score, income and existing loans. These factors will impact the loan amount you are qualified for and your specific repayment period. Before proceeding, MoneyGeek recommends considering the following:

  • How much funding do I need?
  • What is my credit score?
  • Can I afford the monthly payments?
  • How much debt do I already have?
Do Your Research

Even if your circumstances are unique, our research can help you begin your search for the best personal loans in Killeen.

MoneyGeek recommends you conduct your own research before submitting a loan application. Prioritize features that will have a lasting impact on you. In addition, you can evaluate the rates and fees provided by several lenders to choose which one meets your personal requirements. Ensure that you can use the funds for your intended purpose, as some lenders impose restrictions on loan usage.


After you have determined your requirements and examined several lenders, it is highly recommended that you give yourself a few days to consider everything before applying with your chosen lender. Remember that a personal loan is an obligation with an average repayment period of three to five years. You may find an alternative that is more financially advantageous.

Read the Fine Print

Before signing the loan agreement, you should always review the fine print and ensure you understand it. The ideal time to examine the fine print is when you've narrowed down your list of potential lenders. Pay special attention to the specifics that could lead to a higher price or cost savings, such as prepayment penalties, origination fees and late payment fees. Although they may appear insignificant, they can add up to major expenses or savings over time.


You can apply for a loan once you have reviewed the terms and conditions in detail. The lender will now need personal information, such as evidence of identity, proof of income, proof of residence and so on. You may prefer to apply online, as it is typically more convenient. However, some businesses may accept in-person applications if you prefer this method over online tools. The decision is yours.

What to Do if You Can’t Get a Personal Loan in Killeen

There are various reasons why borrowers are sometimes not approved for personal loans in Killeen. The most common reasons for loan denial are low credit scores, high DTI ratios, low income and incorrect loan application information. However, consider that being declined for a few personal loans does not mean you should give up on obtaining one.

If you have just had your application for a loan denied, it is essential to look into the reason for the denial. MoneyGeek recommends contacting your lender to determine why your loan application was denied and whether there is anything you can do to modify the terms of the loan. For example, reducing the loan amount or the repayment period could produce different results.

MoneyGeek warns against payday loans due to their excessively high interest rates and the fact that customers typically fail to make payments on time, ultimately increasing their debt.

Frequently Asked Questions About Personal Loans in Killeen

There are numerous considerations when searching for the best personal loans in Killeen. It depends on your preferences, objectives and way of living. MoneyGeek answers frequently asked questions about personal loans to help you understand the subject further.

What is the best personal loan lender in Killeen?
Which lender in Killeen has the lowest interest rate?
Can I use a personal loan for vacations in Killeen?
Can I use a personal loan for home improvement in Killeen?
What can I not use my personal loan for in Killeen?
How much can I borrow in Killeen?
How long does it take to get a personal loan in Killeen?
Can I pay off my loan early in Killeen?

Our Personal Loan Methodology

MoneyGeek analyzed over 30 personal loan providers in Killeen using over 35 unique data points in six crucial categories, including business transparency, loan accessibility, customer friendliness, loan affordability, flexibility and customer service.

Under each ranking factor, we considered a number of separate data elements that we consider to be most significant when picking a personal loan lender. These parameters include the APR range, the maximum loan amount, the minimum income requirement, the application fee and the payout term.

We take into account each personal lender's customer service, business ratings and any supplementary services that can make the process simpler and more accessible for you, such as prequalification, a variety of payment options and mobile applications.

MoneyGeek’s picks are determined after extensive research and calculation, always with your best interests in mind. Our personal loan recommendations and expert advice are intended to assist you in selecting a lender that matches your specific requirements.

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The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.