Best Personal Loan Rates in Houston, Texas - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Houston, Texas include: Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044A+5.0 ★Texas Ratio: 3.70% offering Title Loan at 4.49% APR, Amoco Federal Credit UnionAmoco Federal Credit Union1800 Space Park Dr, Houston, TX, 77058A5.0 ★Texas Ratio: 5.99% offering Credit Builder And Mender Loan at 4.90% APR, GREATER TEXASGREATER TEXAS5305 Bingle Rd, Houston, TX, 77092 2102A5.0 ★Texas Ratio: 6.70% offering New - 36 months Loan at 5.66% APR, Houston Federal Credit UnionHouston Federal Credit Union777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416A+5.0 ★Texas Ratio: 2.47% offering Lot Loans at 5.99% APR, and First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX3200 S Dairy Ashford Rd, Houston, TX, 77082 2319A+5.0 ★Texas Ratio: 5.29% offering VA Loan at 6.06% APR. Personal loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Houston has 28 local institutions in our database, with personal loan rates as low as 4.49% APR from Gulf Coast Educators Federal Credit Union at 14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044. 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 Houston, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Houston, 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: June 16, 2026
Houston Personal Loan Rates
Maximum Loan Discount: 0.75%
Maximum Loan Discount: 0.75%
No additional details available.
Maximum Loan Discount: 0.75%
Maximum Loan Discount: 0.75%
As Low As
LTV: Up to 70%
No additional details available.
As Low As
Maximum Loan Discount: 0.75%
As Low As
As Low As; Loan Amount: $500 - $25,000
No additional details available.
As Low As
As Low As; Adventure Loan Rates
No additional details available.
<sup>1</sup>
No additional details available.
As low as 15% down**
No additional details available.
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No additional details available.
No additional details available.
LTV: 71% to 80%
No additional details available.
As Low As
As low as 15% down**
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
LTV: 81% to 90%
As Low As; Apply Now »
As low as 15% down**
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Apply Now »
Minimum Loan Amount: $500.00 - $40,000.00
As Low As; Loan Amount: $500+
As Low As
Minimum APR (has an AMOCO Mortgage Loan): 8.05% - 18.00%
As Low As; Apply Now »
No additional details available.
As Low As; Loan Amount: $2,500+
As low as 15% down**
As Low As; Loan Amount: $3,000+
As Low As; Rates
As Low As; Rates
As low as
As Low As; Rates
Maximum Loan Discount: 0.75%
Maximum APR: 18.00%
Regular APR: 6.99% - 16.99%
As Low As; Loan Amount: $500-$40,000
As Low As; Apply Now »
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
No additional details available.
No additional details available.
No additional details available.
As Low As; Loan Amount: $5,000+
As Low As; Minimum Loan Amount: $500.00 - $40,000.00
No additional details available.
As Low As; $500 minimum
Maximum APR: 18.00%
As Low As; Apply Now »
As Low As; Rates
As Low As; Loan Amount: $5,000+
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
Up to $2,500
As Low As; Rates
Maximum APR: 18.00%
Rates Stated As Low As
Loan documentation fee of $175 will be assessed at closing.
Rates as low as 9.90%
Unsecured - 36 Mo: $418 is the difference between the amount paid in interest between Advancial Federal Credit Union's rate at 9.90% APR compared to 11.54% APR for the Charlotte Metro market average over the life of a $15,000 unsecured loan over 36 months.
As Low As
No additional details available.
As low as
No additional details available.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
Minimum Loan Amount: $500.00 - $40,000.00
No additional details available.
Maximum APR: 18.00%
Minimum APR: 10.05% - 18.00%
Loan documentation fee of $175 will be assessed at closing.
Credit Score: 730+
Rates are Variable*
As Low As; Minimum $15,000 for 72 Months
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
Loan documentation fee of $175 will be assessed at closing.
As Low As; Fixed Rate
Credit Score: 730+
Intro rate expires: 6 months; Regular APR: 10.65% - 18.00%
Credit Score: 730+
As Low As
Credit Score: 680 - 729**
As Low As
Credit Score: 730+
No additional details available.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As
Beacon Score: 680+ A
Loan documentation fee of $175 will be assessed at closing.
Credit Score: 680 - 729**
Maximum APR: 18.00%
Maximum Loan Discount: 0.50%
Credit Score: 680 - 729**
As Low As
Credit Score: 680 - 729**
No additional details available.
No additional details available.
Loan documentation fee of $175 will be assessed at closing.
No additional details available.
As Low As; Example of repayment terms: 84 monthly payments of $17.80 per $1,000 borrowed.
As Low As; Loan Amount: $5,000+
Loan documentation fee of $175 will be assessed at closing.
Maximum APR: 18.00%
0.00 APR that includes an application fee
Credit Score: 640 - 679
As Low As
Minimum Loan Amount: $500.00 - $40,000.00
Credit Score: 640 - 679
0.00 APR that includes an application fee
Maximum Loan Discount: 0.50%
Credit Score: 640 - 679
Excellent credit
Credit Score: 640 - 679
No additional details available.
As Low As; Unsecured Loan, Fixed Rate
As Low As
As Low As; Loan Amount: $250-$40,000
Maximum APR: 18.00%
Rates are Variable*
No additional details available.
No additional details available.
Beacon Score: 640-679 B
Credit Score: 600 - 639
Rates are Variable*
Credit Score: 600 - 639
Credit Score: 600 - 639
Good credit
Credit Score: 600 - 639
Under $5,000
Rates are Variable*
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Equifax Score: 750+
No additional details available.
Model Year: 2011 to 2015
No additional details available.
Starting At
Model Year: 2016 to 2019
No additional details available.
Fixed
No additional details available.
No additional details available.
No additional details available.
Model Year: 2020 to 2024
As Low As
Model Year: 2025 to 2027
As Low As; Qualified buyers: Take 90 days to make your first payment.
Equifax Score: 750+
No additional details available.
As Low As
Model Year: 2025 to 2027
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
No additional details available.
Equifax Score: 750+
No additional details available.
No additional details available.
Intro rate expires: 9 months; Regular APR: 4.99%
No additional details available.
As Low As; *
A+ rating
Model Year: 2011 to 2015
No additional details available.
No additional details available.
No additional details available.
Model Year: 2016 to 2019
No additional details available.
No additional details available.
Equifax Score: 750+
Equifax Score: 700-749
Equifax Score: 750+
As Low As; Annual Percentage Rate
Model Year: 2020 to 2024
No additional details available.
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
Model Year: 2025 to 2027
No additional details available.
No additional details available.
As Low As; Your Summer Starts Here Fast. Easy. No Credit Check Get the funds you need for travel, projects, and everything in between.
No additional details available.
No additional details available.
No additional details available.
Model Year: 2025 to 2027
No additional details available.
As low as
As low as
No additional details available.
Borrow up to $2,000. June & July 2026.
No additional details available.
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Model Year: 2025 to 2027
No additional details available.
No additional details available.
No additional details available.
As low as
No additional details available.
As Low As; Up to $150,000
Equifax Score: 700-749
Equifax Score: 750+
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
As Low As; More rate info
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
No additional details available.
MAX
No additional details available.
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc.
Equifax Score: 750+
Equifax Score: 700-749
No additional details available.
No additional details available.
Tier 1 >700
+2.00% above Share Savings Dividend Rate*
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
APR*
MAX
Model Year: 2025 to 2027
Maximum loan amount $100,000.00
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
No additional details available.
Maximum Term: 72 Months**
As Low As*
Equifax Score: 700-749
Tier 1 >700
No additional details available.
No additional details available.
No additional details available.
Equifax Score: 700-749
Equifax Score: 750+
As Low As; APR= Annual Percentage Rate
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
No additional details available.
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Maximum loan amount $50,000.00
$150,000; quoted with 20% down payment
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Up to $10,000; As Low As
As low as
No additional details available.
No additional details available.
No additional details available.
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Houston Personal Loan Rates
As Low As; Loan Amount: $500 - $25,000
No additional details available.
As Low As; Loan Amount: $500+
No additional details available.
As Low As; Loan Amount: $2,500+
As Low As; Loan Amount: $3,000+
As low as
As Low As; Loan Amount: $500-$40,000
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; Loan Amount: $5,000+
As Low As; Minimum Loan Amount: $500.00 - $40,000.00
As Low As; $500 minimum
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; Loan Amount: $5,000+
No additional details available.
As low as
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
No additional details available.
Maximum APR: 18.00%
As Low As; Minimum $15,000 for 72 Months
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As
No additional details available.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
Maximum APR: 18.00%
Maximum Loan Discount: 0.50%
As Low As
No additional details available.
As Low As; Example of repayment terms: 84 monthly payments of $17.80 per $1,000 borrowed.
As Low As; Loan Amount: $5,000+
Maximum Loan Discount: 0.50%
No additional details available.
As Low As; Unsecured Loan, Fixed Rate
As Low As
As Low As; Loan Amount: $250-$40,000
No additional details available.
A+ rating
No additional details available.
As Low As
No additional details available.
Houston Debt Consolidation Loan Rates
No additional details available.
Maximum APR: 18.00%
Maximum APR: 18.00%
As Low As
As Low As
No additional details available.
Houston Signature Loan Rates
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No additional details available.
<sup>1</sup>
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
Rates Stated As Low As
Rates as low as 9.90%
As Low As
As Low As; Fixed Rate
As Low As
Beacon Score: 680+ A
As Low As
As Low As
Excellent credit
Beacon Score: 640-679 B
Good credit
Under $5,000
Borrow up to $2,000. June & July 2026.
Houston, TX Personal Loan Rate Trends
Compare local Houston, 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 0.040 points over the past 7 days to 10.850% APR.
Texas signature loan rates fell 0.288 points over the past 7 days to 12.112% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Houston, 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 Houston, 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 Houston, 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 Houston, Texas?
What are the best personal loan rates in Houston, Texas?
- Gulf Coast Educators Federal Credit Union: 4.49% (Title Loan)
- Amoco Federal Credit Union: 4.90% (Credit Builder And Mender Loan)
- GREATER TEXAS: 5.66% (New - 36 months Loan)
- Houston Federal Credit Union: 5.99% (Lot Loans)
- First Community Credit Union Houston, TX: 6.06% (VA Loan)
Personal Loan Calculators
