Best Personal Loan Rates in El Paso, Texas (TX) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 El Paso, Texas include: White Sands Federal Credit UnionWhite Sands Federal Credit Union4545 Hondo Pass Dr, El Paso, TX, 79904 1303A+5.0 ★Texas Ratio: 0.21% offering Signature at 9.59% APR, One Source Federal Credit UnionOne Source Federal Credit Union8870 Gazelle Dr, El Paso, TX, 79925A+5.0 ★Texas Ratio: 4.36% offering Signature Loans Up to 12 Months at 10.99% APR, Mountain Star Federal Credit UnionMountain Star Federal Credit Union2229 E Yandell Dr, El Paso, TX, 79903 3612A+5.0 ★Texas Ratio: 2.09% offering Signature Loans at 12.00% APR, Evolve Federal Credit UnionEvolve Federal Credit Union8840 Gazelle Dr, El Paso, TX, 79925A+5.0 ★Texas Ratio: 0.63% offering Signature at 12.00% APR, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1851 N Resler Dr, El Paso, TX, 79912B4.4 ★Texas Ratio: 21.76% offering Personal Loan at 13.74% APR. Personal loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
El Paso has 5 local institutions in our database, with personal loan rates as low as 9.59% APR from White Sands Federal Credit Union at 4545 Hondo Pass Dr, El Paso, TX, 79904 1303. 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 El Paso, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in El Paso, 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
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
4545 Hondo Pass Dr, El Paso, TX, 79904 1303
Signature
9.59%
▼
APR9.59%
Last UpdatedMay 3, 2026
Details
As Low As
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
8870 Gazelle Dr, El Paso, TX, 79925
Signature Loans Up to 12 Months
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
8870 Gazelle Dr, El Paso, TX, 79925
Signature Loans Up to 72 Months
11.99%
▼
APR11.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2229 E Yandell Dr, El Paso, TX, 79903 3612
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMay 3, 2026
Details
Starting at 12.00% - 18.00% APR
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX, 79925
Signature
12.00%
▼
APR12.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX, 79912
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX, 79912
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 3, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX, 79912
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX, 79912
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 3, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 5
4.00%
▼
APR4.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.49%
▼
APR4.49%
Last UpdatedMay 3, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 4
4.50%
▼
APR4.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR4.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR4.64%
Last UpdatedMay 3, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Recreational/Title Loans
4.67%
▼
APR4.67%
Last UpdatedMay 3, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.74%
▼
APR4.74%
Last UpdatedMay 3, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 3, 2026
Details
As Low As
APR4.90%
Last UpdatedMay 3, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Fire Station Loans
4.99%
▼
APR4.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.99%
▼
APR4.99%
Last UpdatedMay 3, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 3
5.00%
▼
APR5.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Used & Refinanced Loans
5.24%
▼
APR5.24%
Last UpdatedMay 3, 2026
Details
As Low As; Subject to credit approval
APR5.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
5.49%
▼
APR5.49%
Last UpdatedMay 3, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 2
5.50%
▼
APR5.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR5.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
PERSONAL LOAN
5.79%
▼
APR5.79%
Last UpdatedMay 3, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA Interest Rate Reduction Refinance Loan, or IRRRL
5.91%
▼
APR5.91%
Last UpdatedMay 3, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5 Year Equity Loan-to-Value up to 80%
5.94%
▼
APR5.94%
Last UpdatedMay 3, 2026
Details
As Low As
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
New Construction Loans
5.99%
▼
APR5.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR6.00%
Last UpdatedMay 3, 2026
Details
Months
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 1
6.00%
▼
APR6.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMay 3, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA purchase loan
6.12%
▼
APR6.12%
Last UpdatedMay 3, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
10 Year Equity Loan-to-Value up to 80%
6.14%
▼
APR6.14%
Last UpdatedMay 3, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
6.24%
▼
APR6.24%
Last UpdatedMay 3, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA cash-out refinance loan
6.39%
▼
APR6.39%
Last UpdatedMay 3, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5 Year Equity Loan-to-Value greater than 80% to 90%
6.44%
▼
APR6.44%
Last UpdatedMay 3, 2026
Details
As Low As
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Recreational Equipment Loans
6.50%
▼
APR6.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
6.59%
▼
APR6.59%
Last UpdatedMay 3, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedMay 3, 2026
Details
No additional details available.
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
Personal Loans
6.60%
▼
APR6.60%
Last UpdatedMay 3, 2026
Details
CCTFCU offers a variety of consumer financing and personal loans to help with everything from medical bills to Christmas presents.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
10 Year Equity Loan-to-Value greater than 80% to 90%
6.64%
▼
APR6.64%
Last UpdatedMay 3, 2026
Details
As Low As
APR6.65%
Last UpdatedMay 3, 2026
Details
As Low As; Regular APR: 10.090%
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
Low down payment purchase loan
6.70%
▼
APR6.70%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR6.70%
Last UpdatedMay 3, 2026
Details
As Low As
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Unsecured Loans
6.75%
▼
APR6.75%
Last UpdatedMay 3, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Back on Track Loans
6.75%
▼
APR6.75%
Last UpdatedMay 3, 2026
Details
No additional details available.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Instant Cash Loans
6.75%
▼
APR6.75%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR6.79%
Last UpdatedMay 3, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedMay 3, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedMay 3, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Signature Loans
6.92%
▼
APR6.92%
Last UpdatedMay 3, 2026
Details
No additional details available.
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
Personal/Longevity
6.95%
▼
APR6.95%
Last UpdatedMay 3, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 3, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR6.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Annual Loan
7.00%
▼
APR7.00%
Last UpdatedMay 3, 2026
Details
As Low As; Apply For A Loan External Website
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedMay 3, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
7.09%
▼
APR7.09%
Last UpdatedMay 3, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMay 3, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedMay 3, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedMay 3, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal /Signature Loan
7.25%
▼
APR7.25%
Last UpdatedMay 3, 2026
Details
Starting as low as 7.25%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMay 3, 2026
Details
As Low As; Personal Loans
APR7.25%
Last UpdatedMay 3, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
Land Loans* 10 years
7.25%
▼
APR7.25%
Last UpdatedMay 3, 2026
Details
No additional details available.
Allied Plastics Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedMay 3, 2026
Details
As Low As
Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
New Teacher Loan Unsecured
7.25%
▼
APR7.25%
Last UpdatedMay 3, 2026
Details
As Low As
APR7.29%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR7.39%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR7.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR7.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
7.50%
▼
APR7.50%
Last UpdatedMay 3, 2026
Details
As Low As
APR7.50%
Last UpdatedMay 3, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Special Occasion Loans
7.50%
▼
APR7.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Personal Property NEW
7.50%
▼
APR7.50%
Last UpdatedMay 3, 2026
Details
UP TO 48 MONTHS
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Collateral Loans New or Used (Non Purchase)
7.51%
▼
APR7.51%
Last UpdatedMay 3, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
7.59%
▼
APR7.59%
Last UpdatedMay 3, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMay 3, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 3, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
7.75%
▼
APR7.75%
Last UpdatedMay 3, 2026
Details
As Low As
APR7.75%
Last UpdatedMay 3, 2026
Details
As Low As
APR7.79%
Last UpdatedMay 3, 2026
Details
No additional details available.
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
7.80%
▼
APR7.80%
Last UpdatedMay 3, 2026
Details
10% Down
APR7.82%
Last UpdatedMay 3, 2026
Details
As Low As
APR7.84%
Last UpdatedMay 3, 2026
Details
As Low As
Cooperative Teachers Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.07%
Unsecured Personal Loan
7.89%
▼
APR7.89%
Last UpdatedMay 3, 2026
Details
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
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Signature min)
7.90%
▼
APR7.90%
Last UpdatedMay 3, 2026
Details
$500; APR range: 7.90% to 17.90%
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMay 3, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
7.90%
▼
APR7.90%
Last UpdatedMay 3, 2026
Details
10% Down
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedMay 3, 2026
Details
As Low As
APR7.95%
Last UpdatedMay 3, 2026
Details
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.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Any Time, Any Day Loan
7.95%
▼
APR7.95%
Last UpdatedMay 3, 2026
Details
7.95% - 11.45% APR
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Anytime Any Day Loans
7.95%
▼
APR7.95%
Last UpdatedMay 3, 2026
Details
Low interest rates start at 7.95% APR*; No collateral needed; Easy online application; Allowed two Skip-A-Pays per calendar year
APR7.98%
Last UpdatedMay 3, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
APR7.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Personal/Unsecured
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
(Fixed)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As; Select "Debt Consolidation" on your application.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Unsecured Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR8.00%
Last UpdatedMay 3, 2026
Details
As Low As
APR8.00%
Last UpdatedMay 3, 2026
Details
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
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
Flex Line Loan (12 - 60 Mo.)
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR8.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
up to $15,000
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
up to $5,000; As Low As
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.05%
▼
APR8.05%
Last UpdatedMay 3, 2026
Details
5% Down
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
8.09%
▼
APR8.09%
Last UpdatedMay 3, 2026
Details
As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.15%
▼
APR8.15%
Last UpdatedMay 3, 2026
Details
5% Down
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
8.24%
▼
APR8.24%
Last UpdatedMay 3, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 3, 2026
Details
As Low As
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans
8.24%
▼
APR8.24%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR8.24%
Last UpdatedMay 3, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedMay 3, 2026
Details
up to $15,000
APR8.25%
Last UpdatedMay 3, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Premier Loan
8.25%
▼
APR8.25%
Last UpdatedMay 3, 2026
Details
Starting as low as 8.25%
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
Equipment Loans 12 to 36 Months
8.25%
▼
APR8.25%
Last UpdatedMay 3, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.30%
▼
APR8.30%
Last UpdatedMay 3, 2026
Details
0% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.35%
▼
APR8.35%
Last UpdatedMay 3, 2026
Details
10% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.40%
▼
APR8.40%
Last UpdatedMay 3, 2026
Details
0% Down
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR8.45%
Last UpdatedMay 3, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 3, 2026
Details
As Low As
APR8.49%
Last UpdatedMay 3, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Signature
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR8.50%
Last UpdatedMay 3, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Miscellaneous Equipment Loan
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
12 Months 1 Payment Loan
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
up to $15,000
APR8.50%
Last UpdatedMay 3, 2026
Details
Credit Grade: A
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.55%
▼
APR8.55%
Last UpdatedMay 3, 2026
Details
0% Down
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
8.59%
▼
APR8.59%
Last UpdatedMay 3, 2026
Details
As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.60%
▼
APR8.60%
Last UpdatedMay 3, 2026
Details
5% Down
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
Signature
8.74%
▼
APR8.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Signature Loans
8.74%
▼
APR8.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR8.74%
Last UpdatedMay 3, 2026
Details
As Low As
Midwestern State University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
As Low As
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
As Low As
Ben E Keith Company Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
As Low As
Wichita Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Signature
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
up to $15,000
Communities Of Abilene Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
SIGNATURE LOANS
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
As Low As; Apply Now
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
As Low As; * APR
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX, 79912
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX, 79912
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 3, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
PERSONAL LOAN
5.79%
▼
APR5.79%
Last UpdatedMay 3, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMay 3, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
Personal Loans
6.60%
▼
APR6.60%
Last UpdatedMay 3, 2026
Details
CCTFCU offers a variety of consumer financing and personal loans to help with everything from medical bills to Christmas presents.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedMay 3, 2026
Details
As Low As
APR6.99%
Last UpdatedMay 3, 2026
Details
As Low As
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedMay 3, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMay 3, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMay 3, 2026
Details
As Low As; Personal Loans
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMay 3, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 3, 2026
Details
As Low As
APR7.84%
Last UpdatedMay 3, 2026
Details
As Low As
Cooperative Teachers Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.07%
Unsecured Personal Loan
7.89%
▼
APR7.89%
Last UpdatedMay 3, 2026
Details
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
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMay 3, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedMay 3, 2026
Details
As Low As
APR7.98%
Last UpdatedMay 3, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
up to $15,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMay 3, 2026
Details
As Low As
APR8.24%
Last UpdatedMay 3, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedMay 3, 2026
Details
up to $15,000
APR8.45%
Last UpdatedMay 3, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMay 3, 2026
Details
As Low As
APR8.49%
Last UpdatedMay 3, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
up to $15,000
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
As Low As
APR8.74%
Last UpdatedMay 3, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
Midwestern State University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
As Low As
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
up to $15,000
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX, 79912
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX, 79912
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 3, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As; Select "Debt Consolidation" on your application.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
8.99%
▼
APR8.99%
Last UpdatedMay 3, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Debt Consolidation Loans
8.99%
▼
APR8.99%
Last UpdatedMay 3, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Debt Consolidation Loans
9.75%
▼
APR9.75%
Last UpdatedMay 3, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
9.99%
▼
APR9.99%
Last UpdatedMay 3, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Debt Consolidation Loans
10.00%
▼
APR10.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Debt Consolidation
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Debt Consolidation Loans
11.00%
▼
APR11.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Debt Consolidation
12.74%
▼
APR12.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
Covenant Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Debt Consolidation Loans
12.90%
▼
APR12.90%
Last UpdatedMay 3, 2026
Details
As Low As
Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Debt Consolidation
13.99%
▼
APR13.99%
Last UpdatedMay 3, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
4545 Hondo Pass Dr, El Paso, TX, 79904 1303
Signature
9.59%
▼
APR9.59%
Last UpdatedMay 3, 2026
Details
As Low As
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
8870 Gazelle Dr, El Paso, TX, 79925
Signature Loans Up to 12 Months
10.99%
▼
APR10.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
8870 Gazelle Dr, El Paso, TX, 79925
Signature Loans Up to 72 Months
11.99%
▼
APR11.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
2229 E Yandell Dr, El Paso, TX, 79903 3612
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMay 3, 2026
Details
Starting at 12.00% - 18.00% APR
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
8840 Gazelle Dr, El Paso, TX, 79925
Signature
12.00%
▼
APR12.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR6.00%
Last UpdatedMay 3, 2026
Details
Months
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR6.79%
Last UpdatedMay 3, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedMay 3, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Signature Loans
6.92%
▼
APR6.92%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR6.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedMay 3, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedMay 3, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal /Signature Loan
7.25%
▼
APR7.25%
Last UpdatedMay 3, 2026
Details
Starting as low as 7.25%
APR7.29%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR7.39%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR7.49%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR7.79%
Last UpdatedMay 3, 2026
Details
No additional details available.
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Signature min)
7.90%
▼
APR7.90%
Last UpdatedMay 3, 2026
Details
$500; APR range: 7.90% to 17.90%
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Unsecured Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 3, 2026
Details
No additional details available.
APR7.99%
Last UpdatedMay 3, 2026
Details
As Low As
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
No additional details available.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
up to $5,000; As Low As
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Signature
8.00%
▼
APR8.00%
Last UpdatedMay 3, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
8.24%
▼
APR8.24%
Last UpdatedMay 3, 2026
Details
As Low As
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans
8.24%
▼
APR8.24%
Last UpdatedMay 3, 2026
Details
No additional details available.
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedMay 3, 2026
Details
No additional details available.
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
Signature
8.50%
▼
APR8.50%
Last UpdatedMay 3, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Signature Loans
8.74%
▼
APR8.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
Signature
8.74%
▼
APR8.74%
Last UpdatedMay 3, 2026
Details
No additional details available.
Ben E Keith Company Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
As Low As
Wichita Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Signature
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
No additional details available.
Communities Of Abilene Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
SIGNATURE LOANS
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
As Low As; Apply Now
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedMay 3, 2026
Details
As Low As; * APR
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MonitorBankRates
No home improvement personal loan rates found in El Paso, TX currently.
El Paso, TX Personal Loan Rate Trends
Compare local El Paso, 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.
Personal Loan — TX Avg
10.579%
▲ 0.009 vs 7 days ago
Texas personal loan rates rose 0.009 points over the past 7 days to 10.579% APR.
Signature Loan — TX Avg
12.838%
▲ 0.986 vs 7 days ago
Texas signature loan rates rose 0.986 points over the past 7 days to 12.838% APR.
As of May 3, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Texas?
Most lenders in El Paso, 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 El Paso, 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 El Paso, 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 El Paso, Texas?
Credit unions in El Paso, 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 El Paso, Texas?
- White Sands Federal Credit Union: 9.59% (Signature)
- One Source Federal Credit Union: 10.99% (Signature Loans Up to 12 Months)
- Mountain Star Federal Credit Union: 12.00% (Signature Loans)
- Evolve Federal Credit Union: 12.00% (Signature)
- UNIFY Financial Federal Credit Union: 13.74% (Personal Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in El Paso, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026.
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