Texas personal loan rates range from 5.00% to 13.99% APR, verified by MonitorBankRates as of October 13, 2026. 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: 0.14% offering Personal Loans with Collateral at 5.00% APR, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit Union4345 ALLEN GENOA RD, PASADENA, TX, 77504A+5.0 ★Texas Ratio: 1.25% offering Share Secured Loan at 6.00% APR, Service 1st Credit UnionService 1st Credit Union10001 Jack Finney Blvd, Greenville, TX, 75402A+5.0 ★Texas Ratio: 2.28% offering Signature Loan at 6.00% APR, Houston Highway Credit UnionHouston Highway Credit Union8120 Washington Ave, Houston, TX, 77007A+5.0 ★Texas Ratio: 4.52% 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: 1.78% offering Unsecured Loan at 6.50% APR. Personal loan rates as of October 13, 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: October 13, 2026
Term: A+ Credit | Up to 36 Months
Maximum: $20,000.00; Share Secured 0-60 Months*: +2.00% above Share Savings Dividend Rate*
Published rate range: 6.00% to 15.00%.
Published rate range: 6.24% - 17.99%.
As Low As; APR*
No additional details available.
Published APR range: 6.72% to 18.00%. APR Type: Fixed
Term: 6 months to 72 months; Interest rates range from 6.75% APR to 17.25% APR; low end shown as the rate; terms range from 6 months to 72 months; no fees on personal loans (Quick Cash loan has a $25 application fee)
Rates Start As Low As
No additional details available.
As Low As; Loan Rates page, Personal/Longevity
Published APR range: 6.99%-13.99%. Oct 5-30; Loan amount $500 - $3,500; Approval based on credit worthiness; No refinancing of existing MOPAC loans
As Low As
Published APR range: 6.99% - 14.24%.
No additional details available.
As Low As; Loan group: Signature
Published rate range: 7% - 15%. Loan amount: $500 - $3,500; Rates determined by the overall credit worthiness of each applicant
No additional details available.
No additional details available.
Plus Certificate of Deposit Rate
Rate Adjustments Applicable to All Above Categories 0.10% reduction for payment transfer from PFCU Account, Direct deposit, ACH payment or payroll deduction. Add 0.50% if vehicle collateral is (5) or more years old.
Published APR range: 7.30% - 17.80%. Maximum Amount: 100% of purchase price; maximum amount not to exceed 72 months
Published APR range: 7.39% - 14.64%.
As low as
As low as; APR
$1,001; As Low As; Maximum term 84 Months
As low as; APR
As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000
No additional details available.
Published APR range: 7.59% - 14.84%.
Maximum Available Term: Up to 60 months
As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000
Published APR range: 7.79% - 15.04%.
As Low As; *
Published APR range: 7.89% - 15.14%.
Published APR range: 7.90% to 17.90%. $500 minimum
As Low As; Rates reduced by 0.10% APR if application submitted online; specific rate and term depend on credit rating and amount financed
As Low As; Loan amount up to $5,000
Financing: Up to $35,000 ($1,000 minimum)
As Low As; Loan Amount: $500+
Published APR range: 7.99% - 16.46%. Fixed APR
As low as 7.99%; Up to $25,000
Published APR range: 7.99% - 15.24%.
As Low As; rates & up*
No additional details available.
up to $5,000; As Low As; Based on credit score and loan term
up to $10,000; As Low As; Depends on total debt & credit history; Payment: Monthly; APR Type: Fixed
APR (LOW) 8.00%; APR (HIGH) 18.00%; Rates effective January 1, 2025
As Low As; Based on members' credit and term of loan; Qualified members can borrow up to $15,000
Maximum: $10,000.00; Share Secured 0-60 Months*: +2.00% above Share Savings Dividend Rate*
As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000
Published APR range: 8.00% - 18.00%.
No additional details available.
No additional details available.
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
As Low As; Home page featured loan rate
APR as low as
As Low As; Loan Amount: $2,500+
Rates shows include standard rate discounts.
No additional details available.
No additional details available.
As Low As; Consumer Loan Rates
As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000
As Low As
No additional details available.
As Low As; Loan Amount: $3,000+
As Low As; Term: up to 60 months
As Low As
No additional details available.
As Low As; Personal Loan Rates
As Low As; Some restrictions apply; final rate based on credit score, term, and loan amount
As Low As; For construction of in-ground and above ground pools and/or upgrade of pool; Minimum of $5,000
As Low As; Loan Rates Effective Date October 1, 2026
As Low As; Rate range: 8.50% - 16.50%
Personal loans for anyone needing cash for that little something you have always wanted or needed.
Credit Grade: A
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
As Low As
No additional details available.
No additional details available.
Published APR range: 8.74% - 16.74%.
As low as
As Low As; Unsecured, up to 48 months
As Low As; $10,000 Maximum
As Low As
Published rate range: 8.75% - 18.00%.
No additional details available.
As Low As; Rates effective as of September 1, 2026; Based on credit score, loan term, and relationship discounts
Published APR range: 8.75% to 17.50%. APR range shown as printed: 8.75% to 17.50%
As Low As
As low as
As Low As; Terms up to 48 months; $300 minimum loan; Fixed rate for the life of the loan; No collateral required; Disclosing restrictions apply
No collateral
As Low As; Loan Rates (as Low As)*
As low as; Maximum Loan: up to $7,500.00 or approved limit.
Credit Rating: 750+ | A+
Rates as low as
No additional details available.
as low as
As Low As; Loan Amount: $5,000+
As Low As
As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply
No additional details available.
As Low As
As Low As; Loan amount & maximum term subject to loan review.
As low as 8.99%; Up to $25,000
No additional details available.
Published APR range: 9.00% - 18.00%.
As Low As; Amount: $500 - $15,000
Tier: A
$0; As Low As; Payment: 87.47 per $1,000
Grade of Paper: A; Score: 700; 24-Month Term Limit
Personal Loans; No Annual Fees; No Balance Transfer Fees; Rates quoted as APR
Beacon Score: 720+
As Low As; Maximum individual $10,000 - Maximum joint $20,000
As Low As
Published APR range: 9.00% - 18.00%.
Published APR range: 9.00% to 17.75%. APR range shown as printed: 9.00% to 17.75%
Published APR range: 9.00% to 15.00%.
Credit Grade: A
No additional details available.
No additional details available.
Published APR range: 9.24% - 18.00%. Limits: Based on income and ability to repay**
As Low As; Personal loans
As Low As
up to $45K; As Low As
As Low As; Maximum individual $10,000 - Maximum joint $20,000
As low as; Fixed
Published APR range: 9.25% to 17.75%. APR range shown as printed: 9.25% to 17.75%
As Low As; *
As Low As
As low as
As Low As; Loan amount: $500.00 - $40,000.00; APR is variable
Published APR range: 9.35% - 18.00%.
As Low As
As Low As; Loan Amount: $5,000+
As Low As
As Low As; Rate range: 9.49% - 12.75%
Term: A+ Credit | Up to 36 Months
No additional details available.
Term: 6 months to 72 months; Interest rates range from 6.75% APR to 17.25% APR; low end shown as the rate; terms range from 6 months to 72 months; no fees on personal loans (Quick Cash loan has a $25 application fee)
As Low As
No additional details available.
Plus Certificate of Deposit Rate
Rate Adjustments Applicable to All Above Categories 0.10% reduction for payment transfer from PFCU Account, Direct deposit, ACH payment or payroll deduction. Add 0.50% if vehicle collateral is (5) or more years old.
Published APR range: 7.30% - 17.80%. Maximum Amount: 100% of purchase price; maximum amount not to exceed 72 months
As low as
As low as; APR
As low as; APR
No additional details available.
Maximum Available Term: Up to 60 months
As Low As; *
As Low As; Loan amount up to $5,000
Financing: Up to $35,000 ($1,000 minimum)
As Low As; Loan Amount: $500+
No additional details available.
APR as low as
As Low As; Loan Amount: $2,500+
Rates shows include standard rate discounts.
No additional details available.
No additional details available.
As Low As; Loan Amount: $3,000+
As Low As; Term: up to 60 months
As Low As
No additional details available.
As Low As; Some restrictions apply; final rate based on credit score, term, and loan amount
As Low As; Loan Rates Effective Date October 1, 2026
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
As Low As
No additional details available.
As low as
As Low As; Unsecured, up to 48 months
As Low As; $10,000 Maximum
No additional details available.
Published APR range: 8.75% to 17.50%. APR range shown as printed: 8.75% to 17.50%
As Low As
No collateral
As low as; Maximum Loan: up to $7,500.00 or approved limit.
No additional details available.
as low as
As Low As; Loan Amount: $5,000+
As Low As
As Low As
As Low As; Loan amount & maximum term subject to loan review.
No additional details available.
As Low As; Amount: $500 - $15,000
Tier: A
$0; As Low As; Payment: 87.47 per $1,000
As Low As; Maximum individual $10,000 - Maximum joint $20,000
Published APR range: 9.00% to 17.75%. APR range shown as printed: 9.00% to 17.75%
No additional details available.
As Low As; Personal loans
As Low As
up to $45K; As Low As
As Low As; Maximum individual $10,000 - Maximum joint $20,000
Published APR range: 9.25% to 17.75%. APR range shown as printed: 9.25% to 17.75%
As Low As; *
As low as
As Low As; Loan amount: $500.00 - $40,000.00; APR is variable
As Low As; Loan Amount: $5,000+
As Low As
Published APR range: 9.00% to 15.00%.
Published APR range: 9.75% - 16.00%; Published rate range: 9.75% - 16.00%.
Published APR range: 10.00% - 16.00%; Published rate range: 10.00% - 16.00%.
Unsecured personal loan; subject to credit approval and standard credit union lending criteria; application fees may apply
No additional details available.
As Low As
Published APR range: 11.00% - 16.00%; Published rate range: 11.00% - 16.00%.
Fixed Rate APR range: 11.74% - 17.99%; Type: Debt Consolidation
18.00%
As Low As; Effective 3/1/2023; Rates subject to change without notice
18.00%
As Low As; Rates stated in APR; includes All Access member discounts (active checking with direct deposit, debit card, and home banking)
Published rate range: 6.00% to 15.00%.
Published rate range: 6.24% - 17.99%.
Published APR range: 6.72% to 18.00%. APR Type: Fixed
No additional details available.
Published APR range: 6.99%-13.99%. Oct 5-30; Loan amount $500 - $3,500; Approval based on credit worthiness; No refinancing of existing MOPAC loans
Published APR range: 6.99% - 14.24%.
No additional details available.
As Low As; Loan group: Signature
Published rate range: 7% - 15%. Loan amount: $500 - $3,500; Rates determined by the overall credit worthiness of each applicant
Published APR range: 7.39% - 14.64%.
$1,001; As Low As; Maximum term 84 Months
Published APR range: 7.59% - 14.84%.
Published APR range: 7.79% - 15.04%.
Published APR range: 7.89% - 15.14%.
Published APR range: 7.90% to 17.90%. $500 minimum
As Low As; Rates reduced by 0.10% APR if application submitted online; specific rate and term depend on credit rating and amount financed
As low as 7.99%; Up to $25,000
Published APR range: 7.99% - 15.24%.
As Low As; rates & up*
up to $5,000; As Low As; Based on credit score and loan term
APR (LOW) 8.00%; APR (HIGH) 18.00%; Rates effective January 1, 2025
As Low As; Based on members' credit and term of loan; Qualified members can borrow up to $15,000
Published APR range: 8.00% - 18.00%.
No additional details available.
No additional details available.
As Low As; Home page featured loan rate
Rates shows include standard rate discounts.
No additional details available.
As Low As; Consumer Loan Rates
As Low As
As Low As; Personal Loan Rates
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
Published rate range: 8.75% - 18.00%.
As Low As; Rates effective as of September 1, 2026; Based on credit score, loan term, and relationship discounts
As low as
As Low As; Terms up to 48 months; $300 minimum loan; Fixed rate for the life of the loan; No collateral required; Disclosing restrictions apply
As Low As; Loan Rates (as Low As)*
Credit Rating: 750+ | A+
Rates as low as
As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply
No additional details available.
As low as 8.99%; Up to $25,000
Published APR range: 9.00% - 18.00%.
Grade of Paper: A; Score: 700; 24-Month Term Limit
Personal Loans; No Annual Fees; No Balance Transfer Fees; Rates quoted as APR
As Low As
Published APR range: 9.00% - 18.00%.
No additional details available.
Published APR range: 9.24% - 18.00%. Limits: Based on income and ability to repay**
As low as; Fixed
As Low As
Published APR range: 9.35% - 18.00%.
As Low As
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 0.055 points over the past 7 days to 10.401% APR.
Texas signature loan rates fell 0.039 points over the past 7 days to 10.435% APR.
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.
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.
Estimated monthly payments at the current TX average personal loan APR of 10.40%, 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 | $231.65/mo | $162.28/mo | $127.78/mo | $107.23/mo |
| $10,000 | $463.30/mo | $324.56/mo | $255.56/mo | $214.45/mo |
| $15,000 | $694.96/mo | $486.84/mo | $383.34/mo | $321.68/mo |
| $25,000 | $1,158.26/mo | $811.40/mo | $638.89/mo | $536.13/mo |
| $35,000 | $1,621.56/mo | $1,135.96/mo | $894.45/mo | $750.58/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.
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) | 10.40% | $383.34 | $3,400 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,750 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,284 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,876 |
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.
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.
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.
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.
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.
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $383 monthly loan payment is roughly 10.4% 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.
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 to 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 to 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.
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.
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.
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.