Texas Best Personal Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Texas include: Grand Prairie Credit UnionGrand Prairie Credit Union209 N CENTER ST, GRAND PRAIRIE, TX, 75050A+5.0 ★Texas Ratio: 0.24% offering Personal Loans with Collateral at 5.00% APR, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678A+5.0 ★Texas Ratio: 1.88% offering Post Graduate Consolidation Loan at 5.75% APR, Service 1st Credit UnionService 1st Credit Union10001 Jack Finney Blvd, Greenville, TX, 75402A+5.0 ★Texas Ratio: 1.01% offering Signature Loan at 6.00% APR, Houston Highway Credit UnionHouston Highway Credit Union8120 Washington Ave, Houston, TX, 77007A+5.0 ★Texas Ratio: 1.41% offering Unsecured Signature Loan at 6.24% APR, and Baycel Federal Credit UnionBaycel Federal Credit Union2320 6TH ST, Bay City, TX, 77414 5240A+5.0 ★Texas Ratio: 1.41% offering Unsecured Loan at 6.50% APR. Personal loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Texas side-by-side. Texas personal loan rates currently start as low as 5.00% APR from Grand Prairie Credit Union at 209 N CENTER ST, GRAND PRAIRIE, TX, 75050. Rates are continually updated, so we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution in Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Texas. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: September 22, 2026
Texas Personal Loan Rates
Term: A+ Credit | Up to 36 Months
As Low As
Published rate range: 6.00% to 15.00%.
Published rate range: 6.24% - 17.99%.
As Low As
up to $5,000.00; LOAN RATES MAY BE HIGHER DUE TO CREDIT RATING.
Published APR range: 6.72% to 18.00%. Fixed
Term: 6 months to 72 months; Your rate, term, loan amount, and payments will vary based on creditworthiness and loan underwriting guidelines. Our personal loans do not have fees, only the Quick Cash loan has an application fee, see below for those terms and conditions. Loan interest begins to accrue on the open date of the loan. Delaying the first payment for 30 days or more increases the amount of interest paid over the term of the loan.; APR range: 6.75% APR to 17.25% APR
As Low As
As Low As
No additional details available.
As Low As
Approval based on credit worthiness. All rates based on Annual Percentage Rate. No refinancing of existing MOPAC loans.
Published APR range: 6.99% - 14.24%.
No additional details available.
As Low As;
Amount: Up to $25,000; Credit Tier: 680-739 credit score
$500 - $3,500; Published rate range: 7%-15%*.
No additional details available.
Plus Certificate of Deposit Rate
Published APR range: 7.19% - 14.44%.
No additional details available.
0.10% reduction for payment transfer from PFCU Account, Direct deposit, ACH payment or payroll deduction.
As low as
As Low As; Loan amount: $1,001 to $75,000
As Low As
Published APR range: 7.49% - 14.74%.
No additional details available.
Published APR range: 7.59% - 14.84%.
Maximum Available Term: Up to 60 months
Published APR range: 7.79% - 15.04%.
As Low As
As low as
Published APR range: 7.90% to 17.90%.
No additional details available.
As Low As; Loan amount up to $5,000
As Low As; Financing: Up to $35,000
Loan Amount: $500+
Fixed
As low as 7.99%; Up to $25,000
Published APR range: 7.99% - 15.24%.
As Low As; rates starting at 8.00% & up APR*
As Low As; Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants.
Rates as low as 8.00%* APR** based on members' credit and term of loan. Qualified members can borrow up to $15,000 with single-day processing. Obtain a personal loan for debt consolidation, house repairs, medical bills, education, etc. Rates are based on qualified credit and the term of the loan.
No additional details available.
No additional details available.
Published APR range: 8.00% - 18.00%.
No additional details available.
No additional details available.
Published APR range: 8.00% - 17.00%.
Published APR range: 8.00 - 17.99%. Rate, amount and length of payout set according to credit rating. May be renewed every 6 months if there have been no delinquencies on BFCU loans
Loan Amount: $2,500+
Rates as low as*
No additional details available.
As low as:
As Low As
Loan Amount: $3,000+
As Low As
No additional details available.
No additional details available.
No additional details available.
As low as*
As Low As
Published APR range: 8.50% - 16.50%. As Low As; Rates as low as 8.50% - 16.50%
Published APR range: 8.50% - 17.00%. As Low As; Rates as low as 8.50% - 17.00%
Published APR range: 8.50% - 17.50%. As Low As; Rates as low as 8.50% - 17.50%
Personal loans for anyone needing cash for that little something you have always wanted or needed.
Credit Grade: A
No additional details available.
No additional details available.
No additional details available.
Published APR range: 8.74% - 16.74%.
As low as
Term: Unsecured, up to 48 months; As low as
As Low As
No additional details available.
As low as; (Based On credit score, loan term, and relationship discounts)
Published APR range: 8.75% to 17.50%.
As low as
Loan Amount: $500-$40,000
As low as; Fixed rate for the life of the loan; No collateral required; Terms up to 48 months
No collateral
As Low As*
Maximum Loan: up to $7,500.00 or approved limit.
No additional details available.
No additional details available.
No additional details available.
As Low As
Loan Amount: $5,000+
No additional details available.
Published APR range: 8.99%-18.00%. As Low As; ** Rate applies to well-qualified borrowers. See credit union for details.
As Low As
As Low As
No additional details available.
Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised. This payment example is for a $500 loan at 8.99% APR, paid over a 24-month term. All other payment examples are estimates per $1000.
As Low As; Loan amount & maximum term subject to loan review.
As low as 8.99%; Up to $25,000
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of September 22, 2026. Rates are subject to change without notice.
Column A
$0
Grade of Paper: A; Score: 700
No additional details available.
No additional details available.
No additional details available.
Beacon Score: 720+
No additional details available.
As Low As;*
Rate: 9.00% | 12.00% | 14.00%
Published APR range: 9.00% - 18.00%.
Published APR range: 9.00% to 17.75%.
Published APR range: 9.00% to 15.00%.
Credit Grade: A
Minimum Loan Amount: $500.00 - $40,000.00
Published APR range: 9.18% - 17.75%. $100 - $5,000
No additional details available.
No additional details available.
No additional details available.
As Low As; Personal loans
No additional details available.
up to $45
No additional details available.
As low as; Fixed
Published APR range: 9.25% to 17.75%.
As Low As
As Low As
As Low As; Unsecured Personal Loan
Published APR range: 9.35% - 18.00%.
Loyalty Plus & Digital Services Discount: 8.79%
Loan Amount: $10,000 - $50,000
As Low As
Loan Amount: $5,000+
No additional details available.
Equifax Score: 750+; Debt Ratio Maximum: 48%
Published APR range: 9.49% - 12.75%. As Low As; Rates as low as 9.49% - 12.75%
No additional details available.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of September 22, 2026. Rates are subject to change without notice.
No additional details available.
No additional details available.
On approved credit. Some restrictions may apply. Annual Percentage Rate.
N/A
Published APR range: 9.50% to 17.75%.
Published APR range: 9.50% - 13.00%. As Low As; Rates as low as 9.50% - 13.00%
No additional details available.
No additional details available.
Credit Score Tier: Tier 1 (>700)
Texas Personal Loan Rates
Term: A+ Credit | Up to 36 Months
up to $5,000.00; LOAN RATES MAY BE HIGHER DUE TO CREDIT RATING.
Term: 6 months to 72 months; Your rate, term, loan amount, and payments will vary based on creditworthiness and loan underwriting guidelines. Our personal loans do not have fees, only the Quick Cash loan has an application fee, see below for those terms and conditions. Loan interest begins to accrue on the open date of the loan. Delaying the first payment for 30 days or more increases the amount of interest paid over the term of the loan.; APR range: 6.75% APR to 17.25% APR
Amount: Up to $25,000; Credit Tier: 680-739 credit score
No additional details available.
Plus Certificate of Deposit Rate
0.10% reduction for payment transfer from PFCU Account, Direct deposit, ACH payment or payroll deduction.
As low as
As Low As
Maximum Available Term: Up to 60 months
As Low As
As low as
As Low As; Loan amount up to $5,000
As Low As; Financing: Up to $35,000
Loan Amount: $500+
Loan Amount: $2,500+
Rates as low as*
Loan Amount: $3,000+
As Low As
No additional details available.
As low as*
As Low As
No additional details available.
No additional details available.
As low as
Term: Unsecured, up to 48 months; As low as
Published APR range: 8.75% to 17.50%.
Loan Amount: $500-$40,000
No collateral
Maximum Loan: up to $7,500.00 or approved limit.
No additional details available.
As Low As
Loan Amount: $5,000+
No additional details available.
As Low As
Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised. This payment example is for a $500 loan at 8.99% APR, paid over a 24-month term. All other payment examples are estimates per $1000.
As Low As; Loan amount & maximum term subject to loan review.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of September 22, 2026. Rates are subject to change without notice.
Column A
$0
No additional details available.
Rate: 9.00% | 12.00% | 14.00%
Published APR range: 9.00% to 17.75%.
Published APR range: 9.18% - 17.75%. $100 - $5,000
No additional details available.
No additional details available.
As Low As; Personal loans
No additional details available.
up to $45
No additional details available.
Published APR range: 9.25% to 17.75%.
As Low As; Unsecured Personal Loan
Loan Amount: $10,000 - $50,000
Loan Amount: $5,000+
No additional details available.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of September 22, 2026. Rates are subject to change without notice.
No additional details available.
On approved credit. Some restrictions may apply. Annual Percentage Rate.
N/A
Published APR range: 9.50% to 17.75%.
Texas Debt Consolidation Loan Rates
Published APR range: 9.00% to 15.00%.
Published APR range: 9.75% - 16.00%.
Combine your bills into one easy payment; we'll payoff and close your consolidated accounts. No Collateral Necessary - Finance for up to 66 months based upon credit worthiness. Estimated monthly payment of $198.40 with 66-month term and loan amount of $10,000 at 9.99% APR. APR accurate as of 9/17/26. Loan is subject to credit approval. Please review the Personal Loan Terms for complete details.
Published APR range: 10.00% - 16.00%.
No additional details available.
As Low As
Published APR range: 11.00% - 16.00%.
Published APR range: 11.49% - 17.99%.
Maximum APR: 18.00%
As Low As; Effective 3/1/2023 Rates subject to change without notice.
Maximum APR: 18.00%
As low as**
Texas Signature Loan Rates
Published rate range: 6.00% to 15.00%.
Published rate range: 6.24% - 17.99%.
Published APR range: 6.72% to 18.00%. Fixed
No additional details available.
Approval based on credit worthiness. All rates based on Annual Percentage Rate. No refinancing of existing MOPAC loans.
Published APR range: 6.99% - 14.24%.
No additional details available.
As Low As;
$500 - $3,500; Published rate range: 7%-15%*.
Published APR range: 7.19% - 14.44%.
As Low As; Loan amount: $1,001 to $75,000
Published APR range: 7.49% - 14.74%.
Published APR range: 7.59% - 14.84%.
Published APR range: 7.79% - 15.04%.
Published APR range: 7.90% to 17.90%.
No additional details available.
As low as 7.99%; Up to $25,000
Published APR range: 7.99% - 15.24%.
As Low As; rates starting at 8.00% & up APR*
As Low As; Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants.
Rates as low as 8.00%* APR** based on members' credit and term of loan. Qualified members can borrow up to $15,000 with single-day processing. Obtain a personal loan for debt consolidation, house repairs, medical bills, education, etc. Rates are based on qualified credit and the term of the loan.
Published APR range: 8.00% - 18.00%.
No additional details available.
No additional details available.
Published APR range: 8.00% - 17.00%.
Rates as low as*
No additional details available.
As low as:
As Low As
No additional details available.
No additional details available.
Personal loans for anyone needing cash for that little something you have always wanted or needed.
No additional details available.
Published APR range: 8.74% - 16.74%.
As Low As
No additional details available.
As low as; (Based On credit score, loan term, and relationship discounts)
As low as
As low as; Fixed rate for the life of the loan; No collateral required; Terms up to 48 months
As Low As*
No additional details available.
Published APR range: 8.99%-18.00%. As Low As; ** Rate applies to well-qualified borrowers. See credit union for details.
As Low As
No additional details available.
As low as 8.99%; Up to $25,000
Grade of Paper: A; Score: 700
No additional details available.
No additional details available.
No additional details available.
As Low As;*
Published APR range: 9.00% - 18.00%.
No additional details available.
As low as; Fixed
As Low As
Published APR range: 9.35% - 18.00%.
Loyalty Plus & Digital Services Discount: 8.79%
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Credit Score Tier: Tier 1 (>700)
Texas Personal Loan Rate Trends
Compare local Texas personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Texas personal loan rates fell 0.156 points over the past 7 days to 10.757% APR.
Texas signature loan rates rose 0.497 points over the past 7 days to 12.423% APR.
Texas Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Texas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current TX average personal loan APR of 10.76%, across the terms lenders serving Texas most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.48/mo | $163.12/mo | $128.64/mo | $108.11/mo |
| $10,000 | $464.95/mo | $326.24/mo | $257.28/mo | $216.22/mo |
| $15,000 | $697.43/mo | $489.36/mo | $385.92/mo | $324.32/mo |
| $25,000 | $1,162.38/mo | $815.60/mo | $643.20/mo | $540.54/mo |
| $35,000 | $1,627.33/mo | $1,141.84/mo | $900.47/mo | $756.76/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Texas
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the TX personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (TX average) | 10.76% | $385.92 | $3,524 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,626 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,160 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,752 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Texas
Prequalify With a Soft Credit Check
Most lenders serving Texas will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Texas data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Texas auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Texas high-yield savings account costs nothing and earns interest instead of paying it
Texas Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $386 monthly loan payment is roughly 10.5% of the median individual income in Texas. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Texas.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current TX average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Texas personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Texas. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Texas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Texas?
Are credit unions or banks better for personal loans in Texas?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Texas?
- Grand Prairie Credit Union: 5.00% (Personal Loans with Collateral)
- Nizari Progressive Federal Credit Union: 5.75% (Post Graduate Consolidation Loan)
- Service 1st Credit Union: 6.00% (Signature Loan)
- Houston Highway Credit Union: 6.24% (Unsecured Signature Loan)
- Baycel Federal Credit Union: 6.50% (Unsecured Loan)
