Best Personal Loan Rates in Katy, Texas - July 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 Katy, Texas include: First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX25675 Nelson Way, Katy, TX, 77494A+5.0 ★Texas Ratio: 5.29% offering VA Loan at 6.30% APR, Brazos Valley Schools Credit UnionBrazos Valley Schools Credit Union25525 Katy Mills Pkwy, Katy, TX, 77494A+5.0 ★Texas Ratio: 4.27% offering Summer/Holiday Loan at 7.00% APR, Members Choice Credit UnionMembers Choice Credit Union3770 Fry Rd, Katy, TX, 77449 6728A5.0 ★Texas Ratio: 7.88% offering Unsecured Signature Loans at 8.24% APR, Smart Financial Credit UnionSmart Financial Credit Union6727 FM 1463 Rd Ste 100, Katy, TX, 77494A5.0 ★Texas Ratio: 9.36% offering Personal Loan at 9.74% APR, and ADVANCIALADVANCIAL23525 Katy Fwy, Katy, TX, 77494 1334A+5.0 ★Texas Ratio: 9.94% offering Unsecured Loan at 9.90% APR. Personal loan rates as of July 27, 2026 according to verified data from MonitorBankRates.
Katy has 8 local institutions in our database, with personal loan rates as low as 6.30% APR from First Community Credit Union Houston, TX at 25675 Nelson Way, Katy, TX, 77494. 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 Katy, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Katy, 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
Katy Personal Loan Rates
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Rates shown reflect available rate discounts.
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Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
Rates as low as 9.90% APR
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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.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As
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Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
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Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
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Rates are variable and subject to change. Double asterisk indicates rate may vary based on creditworthiness and loan term.
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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*
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Starting At
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Vehicle Rates; Tier Level: A+; Equifax Score: 750+
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As Low As; Limited-time offer.
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As Low As; Model Year New - 2025
As Low As; Model Year New - 2025
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
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As Low As; Call the credit union for loan promotion rates
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As Low As; Model Year New - 2025
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Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
Monthly Payment per $10,000 Borrowed as low as $189.87
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
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Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
As Low As
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As Low As; Model Year 2024 - 2021
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As Low As; Model Year New - 2025; Extended terms must meet credit & collateral qualifications.
As Low As; Model Year 2024 - 2021
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As Low As; Model Year 2020 - 2016
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
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APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Borrow up to $2,000
As Low As; Model Year 2020 - 2016
As Low As; Model Year 2024 - 2021
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APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
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Vehicle Rates; Tier Level: A; Equifax Score: 700-749
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Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Monthly Payment per $10,000 Borrowed as low as $109.78
Up to 60 months
As Low As; Model Year 2020 - 2016
As Low As; One-Time Close Construction
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
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LTV: Up to 70%
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Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
As Low As; Model Year 2024 - 2021; Extended terms must meet credit & collateral qualifications.
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As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months
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+2.00% above Share Savings Dividend Rate*
Tier 1 >700
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6.00% above TSC rate
up to $50,000.00
As Low As
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APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
As Low As
APR*
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72 Months**
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
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Tier 1 >700
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
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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
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Discount up to 1.50%*
Tier 1 >700
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As Low As
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
As low as
As Low As; Loan Amount: $500 - $25,000
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
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As Low As
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72 Months**
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Vehicle Rates; Tier Level: B; Equifax Score: 660-699; Minimum $10,000
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As low as 15% down**
Credit Tier: 740 or greater
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base rate
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Katy Personal Loan Rates
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
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Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
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Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
Rates are variable and subject to change. Double asterisk indicates rate may vary based on creditworthiness and loan term.
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As Low As
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As Low As; Loan Amount: $500 - $25,000
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Credit Tier: 740 or greater
Katy Debt Consolidation Loan Rates
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As Low As
Maximum APR: 18.00%
As Low As; *Effective 3/1/2023 Rates subject to change without notice.
Maximum APR: 18.00%
As low as**
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Katy Signature Loan Rates
Rates shown reflect available rate discounts.
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Borrow up to $2,000
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Katy, TX Personal Loan Rate Trends
Compare local Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, Texas?
What are the best personal loan rates in Katy, Texas?
- First Community Credit Union Houston, TX: 6.30% (VA Loan)
- Brazos Valley Schools Credit Union: 7.00% (Summer/Holiday Loan)
- Members Choice Credit Union: 8.24% (Unsecured Signature Loans)
- Smart Financial Credit Union: 9.74% (Personal Loan)
- ADVANCIAL: 9.90% (Unsecured Loan)
Personal Loan Calculators
