Best Personal Loan Rates in Austin, Texas - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Austin, Texas include: Randolph Brooks FCURandolph Brooks FCU205 W Ben White Blvd, Austin, TX, 78704 7154A+5.0 ★Texas Ratio: 4.42% offering One-Time Close Construction Loan at 5.90% APR, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX, 78759A+5.0 ★Texas Ratio: 2.09% offering Personal Premier Loan at 6.49% APR, Public Employees Credit UnionPublic Employees Credit Union306 E 10th St, Austin, TX, 78701A+5.0 ★Texas Ratio: 1.09% offering 2025 and Newer Loan at 6.89% APR, Members Choice Credit UnionMembers Choice Credit Union4100 Smith School Rd # 1, Austin, TX, 78744 3205A5.0 ★Texas Ratio: 7.88% offering Unsecured Signature Loans at 8.24% APR, and TruWest Credit UnionTruWest Credit Union13609 N Interstate 35 Bldg 4, Austin, TX, 78753 1332A+5.0 ★Texas Ratio: 3.80% offering New Quad Loan at 8.50% APR. Personal loan rates as of July 27, 2026 according to verified data from MonitorBankRates.
Austin has 15 local institutions in our database, with personal loan rates as low as 5.90% APR from Randolph Brooks FCU at 205 W Ben White Blvd, Austin, TX, 78704 7154. Use the tabs below to compare all available personal loan types. 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 Austin, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Austin, 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: July 27, 2026
Austin Personal Loan Rates
As Low As; One-Time Close Construction
As Low As; More rate info
Discount up to 1.50%*
As Low As; Investment Property
As Low As; Investment Property
As Low As
No additional details available.
As Low As
As Low As
As Low As; Rate: 7.500%
As Low As; Rate: 7.250%
As Low As
As Low As; Rate: 7.875%
Rates shown reflect available rate discounts.
Rates effective as of July 22, 2026. Subject to change.
Rates effective as of July 22, 2026. Subject to change.
As Low As
60% Appraised Value
As Low As
As Low As
As Low As; Rates Subject To Change Without Notice.
As Low As; Estimated Payment Terms: $32.03 per $1,000 per month for 36 months
As Low As; *
Up to 18.000%
As Low As
As Low As; Maximum for unsecured loans is determined individually based on applicant's qualifications and credit history but will not exceed $15,000. If your needs are greater than $15,000 please contact us at [email protected] to discuss options.
As Low As; *
As low as
Loan proceeds are deposited in a savings account under the borrower's name and available to the borrower upon full repayment of the loan. Results are not guaranteed. Improvement in credit score is dependent on multiple factors specific to your financial behavior. For example, late payments on other financial obligations may negatively influence your credit score, even if your payments on a Credit Builder Loan are current.
Up to 18.000%
Up to 16.750%
As Low As; *
As Low As; *
Amount Financed: Up to $40,000
As Low As
Up to 17.650%
As Low As; Rate: 11.200%-18.000%
As Low As
Up to 18.000%
As Low As
Good: 14.90% APR; Average: 16.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
As Low As; Rates effective as of 01/16/26. Loans subject to credit approval. All loan rates based on creditworthiness and may vary.
As low as; Unsecured Loan, Fixed Rate
Excellent: 12.90% APR; Average: 16.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
Excellent: 12.90% APR; Good: 14.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
Excellent: 12.90% APR; Good: 14.90% APR; Average: 16.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
No additional details available.
No additional details available.
No additional details available.
Intro Rate. Paycheck Perks makes it easy for you to save big, with a highly competitive savings rate.
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
No additional details available.
No additional details available.
Fixed
As Low As*
No additional details available.
Starting At
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Limited-time offer.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Model Year New - 2025
As Low As; Model Year New - 2025
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Call the credit union for loan promotion rates
No additional details available.
As Low As; Model Year New - 2025
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Monthly Payment per $10,000 Borrowed as low as $189.87
As Low As
Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
No additional details available.
Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
No additional details available.
No additional details available.
As Low As; Model Year 2024 - 2021
No additional details available.
As Low As; Model Year New - 2025; Extended terms must meet credit & collateral qualifications.
As Low As; Model Year 2024 - 2021
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Model Year 2020 - 2016
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
No additional details available.
No additional details available.
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
Borrow up to $2,000
As Low As; Model Year 2020 - 2016
As Low As; Model Year 2024 - 2021
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Monthly Payment per $10,000 Borrowed as low as $109.78
Up to 60 months
As Low As; Model Year 2020 - 2016
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
No additional details available.
No additional details available.
LTV: Up to 70%
No additional details available.
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
No additional details available.
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
As Low As; Model Year 2024 - 2021; Extended terms must meet credit & collateral qualifications.
No additional details available.
No additional details available.
As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months
+2.00% above Share Savings Dividend Rate*
Tier 1 >700
No additional details available.
up to $50,000.00
6.00% above TSC rate
No additional details available.
As Low As
As Low As
APR*
APR*
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
72 Months**
No additional details available.
No additional details available.
No additional details available.
Tier 1 >700
No additional details available.
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
As Low As
As Low As; Model Year 2020 - 2016; Extended terms must meet credit & collateral qualifications.
No additional details available.
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Up to 48 months
No additional details available.
No additional details available.
No additional details available.
interest only with remaining accrued interest and principal due at maturity
As Low As; Loan Amount: $500 - $25,000
As low as
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
As Low As
No additional details available.
Tier 1 >700
Variable rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
72 Months**
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Vehicle Rates; Tier Level: B; Equifax Score: 660-699; Minimum $10,000
No additional details available.
As low as 15% down**
Credit Tier: 740 or greater
No additional details available.
base rate
No additional details available.
Austin Personal Loan Rates
As Low As
As Low As; Estimated Payment Terms: $32.03 per $1,000 per month for 36 months
Up to 18.000%
As low as
Up to 18.000%
Up to 16.750%
Amount Financed: Up to $40,000
As Low As
Up to 17.650%
As Low As; Rate: 11.200%-18.000%
As Low As
Up to 18.000%
As Low As
As low as; Unsecured Loan, Fixed Rate
No additional details available.
As Low As
No additional details available.
As Low As; Loan Amount: $500 - $25,000
No additional details available.
Credit Tier: 740 or greater
Austin Debt Consolidation Loan Rates
No additional details available.
As Low As
No additional details available.
Maximum APR: 18.00%
As Low As; *Effective 3/1/2023 Rates subject to change without notice.
Maximum APR: 18.00%
As low as**
No additional details available.
Austin Signature Loan Rates
Rates shown reflect available rate discounts.
As Low As; Rates Subject To Change Without Notice.
As Low As; *
As Low As; *
As Low As; *
As Low As; *
Good: 14.90% APR; Average: 16.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
Excellent: 12.90% APR; Average: 16.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
Excellent: 12.90% APR; Good: 14.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
Excellent: 12.90% APR; Good: 14.90% APR; Average: 16.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
Borrow up to $2,000
No additional details available.
Austin, TX Personal Loan Rate Trends
Compare local Austin, TX 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 0.056 points over the past 7 days to 10.699% APR.
Texas signature loan rates fell 0.071 points over the past 7 days to 12.098% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Austin, 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 Austin, 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 Austin, 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 Austin, Texas?
What are the best personal loan rates in Austin, Texas?
- Randolph Brooks FCU: 5.90% (One-Time Close Construction Loan)
- Nizari Progressive Federal Credit Union: 6.49% (Personal Premier Loan)
- Public Employees Credit Union: 6.89% (2025 and Newer Loan)
- Members Choice Credit Union: 8.24% (Unsecured Signature Loans)
- TruWest Credit Union: 8.50% (New Quad Loan)
Personal Loan Calculators
