Best Personal Loan Rates in Conroe, Texas (TX) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Conroe, Texas include: 5Point Credit Union5Point Credit Union3570 FM 1488 Rd Ste 700, Conroe, TX, 77384 3806A5.0 ★Texas Ratio: 6.33% offering Land Loans at 5.25% APR, Smart Financial Credit UnionSmart Financial Credit Union3201 W Davis St, Conroe, TX, 77304 2039A5.0 ★Texas Ratio: 10.10% offering Signature Loan at 9.74% APR, ECU Credit UnionECU Credit Union16597 Interstate 45 S, Conroe, TX, 77385A+5.0 ★Texas Ratio: 1.62% offering Personal Loan at 10.65% APR, Rave Financial Credit UnionRave Financial Credit Union670 FM 3083 Rd Ste 201, Conroe, TX, 77301A+5.0 ★Texas Ratio: 3.72% offering Personal at 12.00% APR, and Tinker Federal Credit UnionTinker Federal Credit UnionA+5.0 ★Texas Ratio: 2.99% offering Storm Shelter Loans at 3.99% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Conroe has 4 local institutions in our database, with personal loan rates as low as 5.25% APR from 5Point Credit Union at 3570 FM 1488 Rd Ste 700, Conroe, TX, 77384 3806. 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 Conroe, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Conroe, 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: April 11, 2026
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As Low As; Monthly payment per $10,000 borrowed as low as $189.90 with a 5-year term and a fixed rate of 5.25% (8.71% APR).
As Low As; rate is subject to CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS MAY APPLY.
As Low As; rate is subject to CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS MAY APPLY.
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As Low As
Loan Amount Up to $1,000
(Feb 1st - Apr 30th)
(Jan 1st - Dec 31st)
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Loan Amount $1,001 to $2,000
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Loan Amount $2,001 to $10,000
Loan Amount $2,001 to $10,000
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As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
As Low As
20% down
As Low As; No pay for 90 days; Easy financing
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As Low As; Restrictions Apply
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As Low As
balance $20,000
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As Low As; Months
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A+ rating
As Low As; With Approved Credit
48 TO 72 MOS*SAME AS NEW CARS
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As Low As; Subject to credit approval
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balance $75,000
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10% down
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As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
As Low As; Borrow up to $2,000 for up to 24 months.
balance $75,000
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balance $75,000
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As Low As; Minimum holiday loan amount $350, maximum determined by credit qualifications up to $15,000.
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As Low As
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As Low As; Up to 70%
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Months
As Low As; With Approved Credit
Loan rate of 6% is effective January 1, 2021. Must have an open established Membership Savings Account in good standing. Must be able to provide two paystubs and have at least 1-year of job history.
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48 TO 60 MOS*SAME AS USED CARS
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As Low As; Regular APR: 10.090%
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As Low As; Loyalty Plus & Online Application Discount
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As Low As; Up to 60 Months
As Low As; 71% to 80%
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CONTACT LOAN DEPARTMENT FOR DETAILS
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As Low As; With Approved Credit
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As Low As; months or less
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$1,001; As Low As
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As Low As; WITH NO PAYMENTS FOR 60 DAYS! Interest accrues from date of loan disbursal. Call for details. Qualifying criteria applies. Rates and terms subject to change without notice.
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As Low As; 81% to 90%
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UP TO 48 MONTHS
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As Low As; months
As Low As; Up to $35,000 ($1,000 minimum)
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10% Down
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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
As Low As
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
As Low As
As Low As
up to 60 months
10% Down
As Low As; Up to $35,000 ($1,000 minimum)
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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.
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As Low As
Loan Amount Up to $1,000
Loan Amount $1,001 to $2,000
Loan Amount $2,001 to $10,000
Loan Amount $2,001 to $10,000
A+ rating
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As Low As
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As Low As; months or less
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As Low As; months
As Low As; Up to $35,000 ($1,000 minimum)
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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
As Low As; Up to $35,000 ($1,000 minimum)
As Low As
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
As Low As
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As Low As; Select "Debt Consolidation" on your application.
As Low As; Other terms available.
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As Low As; rate is subject to CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS MAY APPLY.
As Low As; rate is subject to CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION. OFFER SUBJECT TO CHANGE WITHOUT NOTICE. OTHER CONDITIONS MAY APPLY.
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As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
As Low As; With Approved Credit
As Low As; Borrow up to $2,000 for up to 24 months.
As Low As; With Approved Credit
Months
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As Low As; With Approved Credit
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$1,001; As Low As
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up to 60 months
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Conroe, TX Personal Loan Rate Trends
Compare local Conroe, 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 rose 0.552 points over the past 7 days to 10.859% APR.
Texas signature loan rates fell 0.874 points over the past 7 days to 12.504% APR.
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 Conroe, Texas?
What are the best personal loan rates in Conroe, Texas?
- 5Point Credit Union: 5.25% (Land Loans)
- Smart Financial Credit Union: 9.74% (Signature Loan)
- ECU Credit Union: 10.65% (Personal Loan)
- Rave Financial Credit Union: 12.00% (Personal)
- Tinker Federal Credit Union: 3.99% (Storm Shelter Loans)
Personal Loan Calculators
