Best Personal Loan Rates in Texas (TX) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Texas borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Texas include: Tinker Federal Credit UnionTinker Federal Credit Union8800 US Highway 380, Cross Roads, TX, 76227A+5.0 ★Texas Ratio: 2.82% offering Storm Shelter Loans at 3.99% APR, Abilene Teachers Federal Credit UnionAbilene Teachers Federal Credit Union2801 N 6th St, Abilene, TX, 79603A+5.0 ★Texas Ratio: 0.90% offering Credit Builder Loan at 4.25% APR, Domino Federal Credit UnionDomino Federal Credit Union9978 FM 3129, Queen City, TX, 75572A+5.0 ★Texas Ratio: 0.52% offering New Misc. Collateral Loan at 4.45% APR, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union5953 Fairmont Pkwy, Pasadena, TX, 77505A+5.0 ★Texas Ratio: 3.70% offering Title Loan at 4.49% APR, and TEXAS TECHTEXAS TECH1802 Texas Tech Parkway, Lubbock, TX, 79409A5.0 ★Texas Ratio: 3.51% offering New Loan at 4.49% APR. Personal loan rates as of May 23, 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 3.99% APR from Tinker Federal Credit Union at 8800 US Highway 380, Cross Roads, TX, 76227. Rates are continually updated — 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: May 23, 2026
Texas Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX, 76227
Storm Shelter Loans
3.99%
▼
APR3.99%
Last UpdatedMay 26, 2026
Details
No additional details available.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Credit Builder Loan
4.25%
▼
APR4.25%
Last UpdatedMay 26, 2026
Details
No additional details available.
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New Misc. Collateral Loan
4.45%
▼
APR4.45%
Last UpdatedMay 26, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.49%
▼
APR4.49%
Last UpdatedMay 26, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Loan
4.49%
▼
APR4.49%
Last UpdatedMay 26, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 26, 2026
Details
No additional details available.
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
Recreational Loan
4.50%
▼
APR4.50%
Last UpdatedMay 26, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
Recreational/Title Loans
4.56%
▼
APR4.56%
Last UpdatedMay 26, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 26, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.74%
▼
APR4.74%
Last UpdatedMay 26, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Loan
4.74%
▼
APR4.74%
Last UpdatedMay 26, 2026
Details
No additional details available.
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Loan
4.74%
▼
APR4.74%
Last UpdatedMay 26, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 26, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Credit Builder And Mender Loan
4.90%
▼
APR4.90%
Last UpdatedMay 26, 2026
Details
No additional details available.
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Loan
4.99%
▼
APR4.99%
Last UpdatedMay 26, 2026
Details
No additional details available.
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Loan
4.99%
▼
APR4.99%
Last UpdatedMay 26, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.99%
▼
APR4.99%
Last UpdatedMay 26, 2026
Details
As Low As
PointBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
200 S Highway 377, Pilot Point, TX, 76258
Balance Transfer Loan
4.99%
▼
APR4.99%
Last UpdatedMay 26, 2026
Details
Intro rate expires: 9 months
Nueces Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
901 Leopard St, Corpus Christi, TX, 78401 3606
Loan Promotion
5.00%
▼
APR5.00%
Last UpdatedMay 26, 2026
Details
As Low As; Call the credit union for loan promotion rates
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Up to 48 Months Loan
5.14%
▼
APR5.14%
Last UpdatedMay 26, 2026
Details
No additional details available.
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Loan
5.24%
▼
APR5.24%
Last UpdatedMay 26, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
Land Loans
5.25%
▼
APR5.25%
Last UpdatedMay 26, 2026
Details
No additional details available.
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Other Collateral Loans
5.25%
▼
APR5.25%
Last UpdatedMay 26, 2026
Details
No additional details available.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
All Other Collateral Loan
5.25%
▼
APR5.25%
Last UpdatedMay 26, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
Used Misc. Collateral Loan
5.45%
▼
APR5.45%
Last UpdatedMay 26, 2026
Details
No additional details available.
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Loan
5.49%
▼
APR5.49%
Last UpdatedMay 26, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
5.49%
▼
APR5.49%
Last UpdatedMay 26, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
2025 - Newer Loan
5.49%
▼
APR5.49%
Last UpdatedMay 26, 2026
Details
No additional details available.
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Other Collateral Loans
5.50%
▼
APR5.50%
Last UpdatedMay 26, 2026
Details
No additional details available.
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2307 W Oak St, Palestine, TX, 75801 4063
Loan Special
5.50%
▼
APR5.50%
Last UpdatedMay 26, 2026
Details
As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2307 W Oak St, Palestine, TX, 75801 4063
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedMay 26, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
Centex Citizens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1404 E Milam St, Mexia, TX, 76667 2500
Loan
5.59%
▼
APR5.59%
Last UpdatedMay 26, 2026
Details
As Low As; Restrictions Apply
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Loan
5.74%
▼
APR5.74%
Last UpdatedMay 26, 2026
Details
No additional details available.
Gulf Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
5140 W Parkway St, Groves, TX, 77619
Unimproved Land Loan
5.75%
▼
APR5.75%
Last UpdatedMay 26, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Post Graduate Consolidation Loan
5.75%
▼
APR5.75%
Last UpdatedMay 26, 2026
Details
As Low As; - Up to $150,000
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
REAL ESTATE Loan
5.75%
▼
APR5.75%
Last UpdatedMay 26, 2026
Details
No additional details available.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Unimproved Property Loan
5.75%
▼
APR5.75%
Last UpdatedMay 26, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
Land Loans
5.75%
▼
APR5.75%
Last UpdatedMay 26, 2026
Details
No additional details available.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Interim Construction Loan
5.75%
▼
APR5.75%
Last UpdatedMay 26, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
Title Equity Loan
5.90%
▼
APR5.90%
Last UpdatedMay 26, 2026
Details
As Low as
FCI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
2500 Leopard Dr, Texarkana, TX, 75501 7810
New Recreational Loan
5.95%
▼
APR5.95%
Last UpdatedMay 26, 2026
Details
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4405 Summerhill Rd, Texarkana, TX, 75503
New Recreational Loan
5.95%
▼
APR5.95%
Last UpdatedMay 26, 2026
Details
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
5.99%
▼
APR5.99%
Last UpdatedMay 26, 2026
Details
As Low As; Up to 70% LTV
Service 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
10001 Jack Finney Blvd, Greenville, TX, 75402
Signature
6.00%
▼
APR6.00%
Last UpdatedMay 26, 2026
Details
Months
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedMay 26, 2026
Details
No additional details available.
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Tractors Loan
6.00%
▼
APR6.00%
Last UpdatedMay 26, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMay 26, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Unsecured Financing A+
6.00%
▼
APR6.00%
Last UpdatedMay 26, 2026
Details
No additional details available.
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX, 75904 5624
Loan
6.00%
▼
APR6.00%
Last UpdatedMay 26, 2026
Details
Tier 1 >700
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
6.24%
▼
APR6.24%
Last UpdatedMay 26, 2026
Details
As Low As
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3800 Sheppard Access Rd, Wichita Falls, TX, 76306
Recreational Loan
6.24%
▼
APR6.24%
Last UpdatedMay 26, 2026
Details
As Low As
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
AGRICULTURE Loan
6.25%
▼
APR6.25%
Last UpdatedMay 26, 2026
Details
No additional details available.
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX, 75904 5624
Loan
6.25%
▼
APR6.25%
Last UpdatedMay 26, 2026
Details
Tier 1 >700
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Agriculture A+ Loan
6.25%
▼
APR6.25%
Last UpdatedMay 26, 2026
Details
*** *
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Unimproved Property Loan
6.25%
▼
APR6.25%
Last UpdatedMay 26, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Medical residency loan Fixed
6.33%
▼
APR6.33%
Last UpdatedMay 26, 2026
Details
Lowest rates shown include the auto debit discount.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Medical residency loan Variable
6.33%
▼
APR6.33%
Last UpdatedMay 26, 2026
Details
Lowest rates shown include the auto debit discount.
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Loan
6.49%
▼
APR6.49%
Last UpdatedMay 26, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA purchase loan
6.49%
▼
APR6.49%
Last UpdatedMay 26, 2026
Details
No additional details available.
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2320 6TH ST, Bay City, TX, 77414 5240
Unsecured Loan
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
As Low As
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX, 75904 5624
Loan
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
Tier 1 >700
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
Other Collateral Loan
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
Tractors and Accessories Loan
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
No additional details available.
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Agriculture A+ Loan
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
*** *
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Dental residency loan Fixed
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
Lowest rates shown include the auto debit discount.
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2320 6TH ST, Bay City, TX, 77414 5240
PERSONAL Loan
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Dental residency loan Variable
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
Lowest rates shown include the auto debit discount.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
SUMMER LOAN
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
As Low As; Borrow up to $25,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
As Low As; Loan Amount: $500 - $25,000
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
Construction Loans
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
No additional details available.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Bar exam loan Variable
6.51%
▼
APR6.51%
Last UpdatedMay 26, 2026
Details
Lowest rates shown include the auto debit discount.
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Land (10 years and below) Loan
6.59%
▼
APR6.59%
Last UpdatedMay 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedMay 26, 2026
Details
No additional details available.
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
Adventure Loans
6.59%
▼
APR6.59%
Last UpdatedMay 26, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
6.59%
▼
APR6.59%
Last UpdatedMay 26, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
Personal Loans
6.60%
▼
APR6.60%
Last UpdatedMay 26, 2026
Details
24 months
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA cash-out refinance loan
6.64%
▼
APR6.64%
Last UpdatedMay 26, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
304 Central Avenue, Longview, TX, 75602
Equipment Loan
6.65%
▼
APR6.65%
Last UpdatedMay 26, 2026
Details
As Low As; Regular APR: 10.090%
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Equipment Loans
6.70%
▼
APR6.70%
Last UpdatedMay 26, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Equipment, Medium & Heavy-Duty Trucks Loan
6.70%
▼
APR6.70%
Last UpdatedMay 26, 2026
Details
As Low As; Model Year New - 2025
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Loan
6.74%
▼
APR6.74%
Last UpdatedMay 26, 2026
Details
No additional details available.
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Loan
6.74%
▼
APR6.74%
Last UpdatedMay 26, 2026
Details
No additional details available.
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Agriculture A+ Loan
6.75%
▼
APR6.75%
Last UpdatedMay 26, 2026
Details
*** *
Gulf Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
5140 W Parkway St, Groves, TX, 77619
Construction Loan
6.75%
▼
APR6.75%
Last UpdatedMay 26, 2026
Details
As Low As
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX, 77079 4136
Vacant Land/Lot Loan
6.75%
▼
APR6.75%
Last UpdatedMay 26, 2026
Details
As Low As; Unimproved (Raw) Land; As low as 15% down**
Brazos Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
701 Harvey Rd, College Station, TX, 77840
Back on Track Loans
6.75%
▼
APR6.75%
Last UpdatedMay 26, 2026
Details
No additional details available.
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Agriculture 3 YR Balloon Loan
6.75%
▼
APR6.75%
Last UpdatedMay 26, 2026
Details
No additional details available.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
4545 Hondo Pass Dr, El Paso, TX, 79904 1303
Anything Loan
6.75%
▼
APR6.75%
Last UpdatedMay 26, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX, 75605 7916
Instant Cash Loans
6.75%
▼
APR6.75%
Last UpdatedMay 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.79%
▼
APR6.79%
Last UpdatedMay 26, 2026
Details
No additional details available.
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Land (7 years and below) Loan
6.79%
▼
APR6.79%
Last UpdatedMay 26, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
Signature Loans
6.81%
▼
APR6.81%
Last UpdatedMay 26, 2026
Details
No additional details available.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
49 - 65 Months Loan
6.85%
▼
APR6.85%
Last UpdatedMay 26, 2026
Details
No additional details available.
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 13.81%
1010 S SOUTHEAST LOOP 323, TYLER, TX, 75701 3700
Land Loan 10 Year Fixed
6.88%
▼
APR6.88%
Last UpdatedMay 26, 2026
Details
As Low As
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 13.81%
1010 S SOUTHEAST LOOP 323, TYLER, TX, 75701 3700
Construction Loan
6.88%
▼
APR6.88%
Last UpdatedMay 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedMay 26, 2026
Details
No additional details available.
Texarkana Terminal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
3801 TEXAS BLVD, TEXARKANA, TX, 75503
2022-2023 Loan
6.94%
▼
APR6.94%
Last UpdatedMay 26, 2026
Details
As Low As
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1618 Main St, Dallas, TX, 75201 4720
Personal/Longevity Loan
6.95%
▼
APR6.95%
Last UpdatedMay 26, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
6.99%
▼
APR6.99%
Last UpdatedMay 26, 2026
Details
As Low As; 71% to 80% LTV
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Loan
6.99%
▼
APR6.99%
Last UpdatedMay 26, 2026
Details
No additional details available.
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Loan
6.99%
▼
APR6.99%
Last UpdatedMay 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.99%
▼
APR6.99%
Last UpdatedMay 26, 2026
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
Land Loan 5-year Fixed
6.99%
▼
APR6.99%
Last UpdatedMay 26, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 26, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
Summer/Holiday Loan
7.00%
▼
APR7.00%
Last UpdatedMay 26, 2026
Details
No additional details available.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Equipment, Medium & Heavy-Duty Trucks Loan
7.00%
▼
APR7.00%
Last UpdatedMay 26, 2026
Details
As Low As; Model Year 2024 - 2021
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Furniture & Appliance Loan
7.00%
▼
APR7.00%
Last UpdatedMay 26, 2026
Details
No additional details available.
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
Annual Loan
7.00%
▼
APR7.00%
Last UpdatedMay 26, 2026
Details
As Low As
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Agriculture A+ Loan
7.00%
▼
APR7.00%
Last UpdatedMay 26, 2026
Details
*** *
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Bar exam loan Fixed
7.01%
▼
APR7.01%
Last UpdatedMay 26, 2026
Details
Lowest rates shown include the auto debit discount.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
Low down payment purchase loan
7.08%
▼
APR7.08%
Last UpdatedMay 26, 2026
Details
No additional details available.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
7.09%
▼
APR7.09%
Last UpdatedMay 26, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMay 26, 2026
Details
No additional details available.
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMay 26, 2026
Details
As Low As
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Land (5 years and below) Loan
7.17%
▼
APR7.17%
Last UpdatedMay 26, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Equipment, Medium & Heavy-Duty Trucks Loan
7.19%
▼
APR7.19%
Last UpdatedMay 26, 2026
Details
As Low As; Model Year New - 2025
Baker Hughes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6830 Navigation Blvd, Houston, TX, 77011
Other Collateral Loan
7.20%
▼
APR7.20%
Last UpdatedMay 26, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedMay 26, 2026
Details
As Low As
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Loan
7.24%
▼
APR7.24%
Last UpdatedMay 26, 2026
Details
No additional details available.
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX, 77079 4136
Vacant Land/Lot Loan
7.25%
▼
APR7.25%
Last UpdatedMay 26, 2026
Details
As Low As; Unimproved (Raw) Land; As low as 15% down**
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX, 75904 5624
Loan
7.25%
▼
APR7.25%
Last UpdatedMay 26, 2026
Details
Tier 2 670 - 699
Texas Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
3131 HOLLY RD, CORPUS CHRISTI, TX, 78415
50/50 LOAN
7.25%
▼
APR7.25%
Last UpdatedMay 26, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
Land/Investment Property Loan
7.25%
▼
APR7.25%
Last UpdatedMay 26, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMay 26, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
Land Loans
7.25%
▼
APR7.25%
Last UpdatedMay 26, 2026
Details
No additional details available.
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Agriculture Loan
7.25%
▼
APR7.25%
Last UpdatedMay 26, 2026
Details
*** *
Allied Plastics Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
5213 Lake Shore Dr, Waco, TX, 76710 1732
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedMay 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.29%
▼
APR7.29%
Last UpdatedMay 26, 2026
Details
No additional details available.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Equipment, Medium & Heavy-Duty Trucks Loan
7.32%
▼
APR7.32%
Last UpdatedMay 26, 2026
Details
As Low As; Model Year New - 2025
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
4545 Hondo Pass Dr, El Paso, TX, 79904 1303
Anything Loan
7.35%
▼
APR7.35%
Last UpdatedMay 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.39%
▼
APR7.39%
Last UpdatedMay 26, 2026
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
17 S 1st St, Temple, TX, 76501 7603
Land Loan 10-year Fixed
7.49%
▼
APR7.49%
Last UpdatedMay 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.49%
▼
APR7.49%
Last UpdatedMay 26, 2026
Details
No additional details available.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Equipment, Medium & Heavy-Duty Trucks Loan
7.49%
▼
APR7.49%
Last UpdatedMay 26, 2026
Details
As Low As; Model Year 2024 - 2021
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
7.49%
▼
APR7.49%
Last UpdatedMay 26, 2026
Details
As Low As; 81% to 90% LTV
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Loan
7.49%
▼
APR7.49%
Last UpdatedMay 26, 2026
Details
No additional details available.
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX, 75904 5624
Loan
7.50%
▼
APR7.50%
Last UpdatedMay 26, 2026
Details
Tier 2 670 - 699
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
1001 BUTCHER RD, WAXAHACHIE, TX, 75165
Personal Property Loan
7.50%
▼
APR7.50%
Last UpdatedMay 26, 2026
Details
NEW
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
Special Occasion Loans
7.50%
▼
APR7.50%
Last UpdatedMay 26, 2026
Details
No additional details available.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 26, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Hot Tub/Sauna Loans
7.50%
▼
APR7.50%
Last UpdatedMay 26, 2026
Details
As Low As
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Agriculture Loan
7.50%
▼
APR7.50%
Last UpdatedMay 26, 2026
Details
*** *
Eastex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1100 Highway 327 E, Silsbee, TX, 77656
Generator Loans
7.50%
▼
APR7.50%
Last UpdatedMay 26, 2026
Details
As Low as
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
7.59%
▼
APR7.59%
Last UpdatedMay 26, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Equipment, Medium & Heavy-Duty Trucks Loan
7.62%
▼
APR7.62%
Last UpdatedMay 26, 2026
Details
As Low As; Model Year 2024 - 2021
First Priority Credit Union Abilene, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3165 S 27th St, Abilene, TX, 79605
Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMay 26, 2026
Details
As Low As; ends April 30; call for details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMay 26, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
Equipment Loan
7.65%
▼
APR7.65%
Last UpdatedMay 26, 2026
Details
No additional details available.
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Loan
7.74%
▼
APR7.74%
Last UpdatedMay 26, 2026
Details
No additional details available.
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Texas Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMay 26, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2320 6TH ST, Bay City, TX, 77414 5240
PERSONAL Loan
6.50%
▼
APR6.50%
Last UpdatedMay 26, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
Personal Loans
6.60%
▼
APR6.60%
Last UpdatedMay 26, 2026
Details
24 months
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 26, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMay 26, 2026
Details
No additional details available.
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMay 26, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMay 26, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 26, 2026
Details
As Low As
First Priority Credit Union Abilene, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3165 S 27th St, Abilene, TX, 79605
Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMay 26, 2026
Details
As Low As; ends April 30; call for details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
13649 Montfort Dr, Dallas, TX, 75240 2521
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMay 26, 2026
Details
As Low As
Powered by
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Texas Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TxDot Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
4174 Old Anson Rd, Abilene, TX, 79601
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedMay 26, 2026
Details
No additional details available.
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Debt Consolidation
10.99%
▼
APR10.99%
Last UpdatedMay 26, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Debt Consolidation Loan
12.05%
▼
APR12.05%
Last UpdatedMay 26, 2026
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX, 77082 2319
Debt Consolidation Loan
12.74%
▼
APR12.74%
Last UpdatedMay 26, 2026
Details
Debt Consolidation
Covenant Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
2904 E Stan Schlueter loop Bldg A, Killeen, TX, 76542 4813
Debt Consolidation Loans
12.90%
▼
APR12.90%
Last UpdatedMay 26, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Debt Consolidation Loan
13.05%
▼
APR13.05%
Last UpdatedMay 26, 2026
Details
No additional details available.
Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6401 Bell St, Amarillo, TX, 79109
Debt Consolidation Loan
13.99%
▼
APR13.99%
Last UpdatedMay 26, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 26, 2026
Details
As Low As
Powered by
MonitorBankRates
Texas Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2307 W Oak St, Palestine, TX, 75801 4063
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedMay 26, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
Service 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
10001 Jack Finney Blvd, Greenville, TX, 75402
Signature
6.00%
▼
APR6.00%
Last UpdatedMay 26, 2026
Details
Months
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedMay 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.79%
▼
APR6.79%
Last UpdatedMay 26, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
Signature Loans
6.81%
▼
APR6.81%
Last UpdatedMay 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedMay 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.99%
▼
APR6.99%
Last UpdatedMay 26, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedMay 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.29%
▼
APR7.29%
Last UpdatedMay 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.39%
▼
APR7.39%
Last UpdatedMay 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.49%
▼
APR7.49%
Last UpdatedMay 26, 2026
Details
No additional details available.
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MonitorBankRates
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.
Personal Loan — TX Avg
10.889%
▲ 0.093 vs 7 days ago
Texas personal loan rates rose 0.093 points over the past 7 days to 10.889% APR.
Signature Loan — TX Avg
12.468%
▲ 0.060 vs 7 days ago
Texas signature loan rates rose 0.060 points over the past 7 days to 12.468% APR.
As of May 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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?
Most lenders in Texas require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Texas often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Texas require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Texas?
Yes. Debt consolidation is one of the most common uses of personal loans in Texas. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Texas?
Credit unions in Texas often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Texas?
- Tinker Federal Credit Union: 3.99% (Storm Shelter Loans)
- Abilene Teachers Federal Credit Union: 4.25% (Credit Builder Loan)
- Domino Federal Credit Union: 4.45% (New Misc. Collateral Loan)
- Gulf Coast Educators Federal Credit Union: 4.49% (Title Loan)
- TEXAS TECH: 4.49% (New Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 23, 2026.
