Best Personal Loan Rates in Houston, 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 Houston, Texas include: InvesTex Credit UnionInvesTex Credit Union905 Aldine Bender Rd, Houston, TX, 77032A+5.0 ★Texas Ratio: 3.50% offering New and Used Loan at 3.99% 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, Houston Federal Credit UnionHouston Federal Credit Union777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416A+5.0 ★Texas Ratio: 2.47% offering 10 Year Loan at 5.09% APR, 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 6.30% APR, and Justice Federal Credit UnionJustice Federal Credit Union1 Justice Park Dr, Houston, TX, 77092A5.0 ★Texas Ratio: 8.56% offering Personal Loan at 6.50% APR. Personal loan rates as of July 27, 2026 according to verified data from MonitorBankRates.
Houston has 32 local institutions in our database, with personal loan rates as low as 3.99% APR from InvesTex Credit Union at 905 Aldine Bender Rd, Houston, TX, 77032. 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: July 27, 2026
Houston Personal Loan Rates
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LTV: Up to 70%
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As Low As; Loan Amount: $500 - $25,000
As low as
As Low As
No additional details available.
No additional details available.
As low as 15% down**
No additional details available.
No additional details available.
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LTV: 71% to 80%
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As low as 15% down**
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No additional details available.
LTV: 81% to 90%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As low as 15% down**
No additional details available.
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As Low As
As Low As
As Low As; Minimum loan amount $500+
Minimum Loan Amount: $500.00 - $40,000.00
Minimum APR (has an AMOCO Mortgage Loan): 8.05% - 18.00%
APR as low as
As Low As; Minimum loan amount $2,500+
Rates shown reflect available rate discounts.
As low as 15% down**
As Low As; Minimum loan amount $3,000+
As Low As
As Low As
As low as
As Low As
Maximum APR: 18.00%
As Low As; Loan Amount: $500-$40,000
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Minimum loan amount $5,000+
No additional details available.
Minimum APR: 11.05% - 18.00%
As Low As; Minimum Loan Amount: $500.00 - $40,000.00
As Low As; $500 minimum
Maximum APR: 18.00%
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Minimum loan amount $5,000+
As Low As
Up to $2,500
As Low As
Maximum APR: 18.00%
Rates Stated As Low As
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As
No additional details available.
As low as; BPFCU offers personal loans and lines of credit, which do NOT require collateral ... your signature and good credit rating are sufficient.
Rates as low as 9.90% APR
As Low As; See all Loan Rates
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.
No additional details available.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
No additional details available.
Minimum Loan Amount: $500.00 - $40,000.00
Maximum APR: 18.00%
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As
Credit Score: 730+
Rates are Variable*
As Low As; Minimum $15,000 for 72 Months
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; *
As Low As; Fixed Rate
Credit Score: 730+
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
Credit Score: 730+
Credit Score: 680 - 729**
No additional details available.
As Low As
Credit Score: 730+
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
Beacon Score 680+
Beacon Score 680+ A
Credit Score: 680 - 729**
Maximum APR: 18.00%
Credit Score: 680 - 729**
No additional details available.
Credit Score: 680 - 729**
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.
No additional details available.
No additional details available.
As Low As; Minimum loan amount $5,000+
As Low As; *
Maximum APR: 18.00%
0.00 APR that includes an application fee
Credit Score: 640 - 679
Rates are variable and subject to change. Double asterisk indicates rate may vary based on creditworthiness and loan term.
Minimum Loan Amount: $500.00 - $40,000.00
No additional details available.
Credit Score: 640 - 679
0.00 APR that includes an application fee
Credit Score: 640 - 679
Good: 14.90% APR; Average: 16.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
No additional details available.
Credit Score: 640 - 679
As Low As; *
As low as; Unsecured Loan, Fixed Rate
As Low As; Loan Amount: $250-$40,000
As Low As
Maximum APR: 18.00%
Rates are Variable*
Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.
No additional details available.
As Low As; *
Beacon Score 640-679
Beacon Score 640-679 B
Credit Score: 600 - 639
Rates are Variable*
No additional details available.
Credit Score: 600 - 639
Credit Score: 600 - 639
Credit Score: 600 - 639
Excellent: 12.90% APR; Average: 16.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
Under $5,000
As Low As; *
Rates are Variable*
No additional details available.
No additional details available.
Excellent: 12.90% APR; Good: 14.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
No additional details available.
Beacon Score 600-639
Beacon Score 600-639 C
Credit Score: 550 - 599
Credit Score: 550 - 599
Credit Score: 550 - 599
No additional details available.
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Intro Rate. Paycheck Perks makes it easy for you to save big, with a highly competitive savings rate.
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Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
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Fixed
As Low As*
Starting At
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Vehicle Rates; Tier Level: A+; Equifax Score: 750+
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As Low As; Limited-time offer.
No additional details available.
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Vehicle Rates; Tier Level: A+; Equifax Score: 750+
As Low As; Model Year New - 2025
As Low As; Model Year New - 2025
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As Low As; Call the credit union for loan promotion rates
As Low As; Model Year New - 2025
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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
As Low As; Model Year 2024 - 2021
As Low As; Model Year New - 2025; Extended terms must meet credit & collateral qualifications.
No additional details available.
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.
Borrow up to $2,000
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
No additional details available.
As Low As; Model Year 2020 - 2016
As Low As; Model Year 2024 - 2021
No additional details available.
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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.
No additional details available.
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Monthly Payment per $10,000 Borrowed as low as $109.78
No additional details available.
Up to 60 months
As Low As; Model Year 2020 - 2016
As Low As; One-Time Close Construction
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
No additional details available.
No additional details available.
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.
6.00% above TSC rate
up to $50,000.00
APR*
No additional details available.
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
As Low As
As Low As
APR*
No additional details available.
72 Months**
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No additional details available.
Tier 1 >700
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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; More rate info
As Low As; Model Year 2020 - 2016; Extended terms must meet credit & collateral qualifications.
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.
Discount up to 1.50%*
Tier 1 >700
No additional details available.
As Low As
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
interest only with remaining accrued interest and principal due at maturity
Variable rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
As Low As; Investment Property
As Low As; Investment Property
No additional details available.
No additional details available.
72 Months**
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: B; Equifax Score: 660-699; Minimum $10,000
No additional details available.
Credit Tier: 740 or greater
No additional details available.
base rate
No additional details available.
Houston Personal Loan Rates
As Low As; Loan Amount: $500 - $25,000
No additional details available.
As Low As; Minimum loan amount $500+
As Low As
APR as low as
As Low As; Minimum loan amount $2,500+
As Low As; Minimum loan amount $3,000+
As low as
As Low As; Loan Amount: $500-$40,000
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Minimum loan amount $5,000+
As Low As; Minimum Loan Amount: $500.00 - $40,000.00
As Low As; $500 minimum
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Minimum loan amount $5,000+
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
No additional details available.
As low as; BPFCU offers personal loans and lines of credit, which do NOT require collateral ... your signature and good credit rating are sufficient.
As Low As; See all Loan Rates
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
No additional details available.
No additional details available.
Maximum APR: 18.00%
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As
As Low As; Minimum $15,000 for 72 Months
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
No additional details available.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
Maximum APR: 18.00%
No additional details available.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
No additional details available.
As Low As; Minimum loan amount $5,000+
Rates are variable and subject to change. Double asterisk indicates rate may vary based on creditworthiness and loan term.
No additional details available.
As low as; Unsecured Loan, Fixed Rate
As Low As; Loan Amount: $250-$40,000
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
Credit Tier: 740 or greater
Houston Debt Consolidation Loan Rates
No additional details available.
Maximum APR: 18.00%
Maximum APR: 18.00%
No additional details available.
As Low As
As Low As; *Effective 3/1/2023 Rates subject to change without notice.
As low as**
No additional details available.
Houston Signature Loan Rates
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No additional details available.
No additional details available.
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No additional details available.
As Low As
Rates shown reflect available rate discounts.
No additional details available.
Up to $2,500
Rates Stated As Low As
As Low As
As Low As; *
As Low As; Fixed Rate
As Low As
Beacon Score 680+
Beacon Score 680+ A
No additional details available.
As Low As; *
No additional details available.
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; *
As Low As; *
Beacon Score 640-679
Beacon Score 640-679 B
Excellent: 12.90% APR; Average: 16.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
Under $5,000
As Low As; *
Excellent: 12.90% APR; Good: 14.90% APR; Fair: 17.90% APR; Marginal: 17.90% APR; Low / No score: 17.90% APR
Beacon Score 600-639
Beacon Score 600-639 C
Borrow up to $2,000
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 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 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?
- InvesTex Credit Union: 3.99% (New and Used Loan)
- Amoco Federal Credit Union: 4.90% (Credit Builder And Mender Loan)
- Houston Federal Credit Union: 5.09% (10 Year Loan)
- First Community Credit Union Houston, TX: 6.30% (VA Loan)
- Justice Federal Credit Union: 6.50% (Personal Loan)
Personal Loan Calculators
