Current personal loan options available to borrowers in Texas include: Houston Highway Credit UnionHouston Highway Credit Union8120 Washington Ave, Houston, TX, 77007A+5.0 ★Texas Ratio: 1.00% offering Credit Builder Step-Up Loan Process STEP 5 at 4.00% APR, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union5953 Fairmont Pkwy, Pasadena, TX, 77505A+5.0 ★Texas Ratio: 3.85% offering Title Loan at 4.49% APR, Baxter Credit UnionBaxter Credit Union7034 Alamo Downs Pkwy, San Antonio, TX, 78238A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Victoria City County Employees Federal Credit UnionVictoria City County Employees Federal Credit Union205 N Bridge St Ste 111, Victoria, TX, 77901A+5.0 ★Texas Ratio: 0.81% offering Recreational/Title Loans at 4.67% APR, and Amoco Federal Credit UnionAmoco Federal Credit Union2300 Texas Ave, Texas City, TX, 77590A5.0 ★Texas Ratio: 6.48% offering Unsecured Loan at 4.90% APR. Personal loan rates as of May 2, 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 4.00% APR from Houston Highway Credit Union at 8120 Washington Ave, Houston, TX, 77007. 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 2, 2026
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CCTFCU offers a variety of consumer financing and personal loans to help with everything from medical bills to Christmas presents.
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As Low As; Regular APR: 10.090%
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Starting as low as 7.25%
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As Low As; Fixed rates starting as low as 7.89%; No collateral required-qualify based on your credit and income; No prepayment penalties or application fees; Payment protection insurance available
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$500; APR range: 7.90% to 17.90%
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As Low As; Annual Percentage Rate (APR) quoted is lowest possible for qualified borrowers. APR quoted represents up to a 36-month term for a personal loan. Estimated monthly payment of $86.30 per $1,000 borrowed for 12-month term. Your rate may vary. Qualifications based on credit history, debt and ability to repay. Loan amounts $1,000 - $25,000. Refinancing of existing Mesquite Credit Union loan is not permitted.
7.95% - 11.45% APR
Low interest rates start at 7.95% APR*; No collateral needed; Easy online application; Allowed two Skip-A-Pays per calendar year
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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
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Starting as low as 8.25%
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
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CCTFCU offers a variety of consumer financing and personal loans to help with everything from medical bills to Christmas presents.
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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 rose 0.009 points over the past 7 days to 10.579% APR.
Texas signature loan rates rose 0.986 points over the past 7 days to 12.838% APR.