Best Personal Loan Rates in Texas - July 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Texas include: City of Deer Park Federal Credit UnionCity of Deer Park Federal Credit Union2005 Center St, Deer Park, TX, 77536A+5.0 ★Texas Ratio: 0.18% offering Credit Rating A+ 0-48 Months Loan at 3.99% APR, 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, 5Point Credit Union5Point Credit Union3700 Skyline Dr, Nederland, TX, 77627 8303A5.0 ★Texas Ratio: 5.94% offering 48 Months Loan at 4.00% APR, Skyone Federal Credit UnionSkyone Federal Credit Union209 State Highway 121 BYP, Lewisville, TX, 75067 4151A5.0 ★Texas Ratio: 9.93% offering Paycheck Perks Loan at 4.00% APR, and Abilene Teachers Federal Credit UnionAbilene Teachers Federal Credit Union2801 N 6th St, Abilene, TX, 79603A+5.0 ★Texas Ratio: 0.90% offering Credit Builder Loan at 4.25% APR. Personal loan rates as of July 27, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Texas side-by-side. Texas personal loan rates currently start as low as 3.99% APR from City of Deer Park Federal Credit Union at 2005 Center St, Deer Park, TX, 77536. 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 Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in 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
Texas Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A+ 0-48 Months Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Loan
3.99%
▼
APR3.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
48 Months Loan
4.00%
▼
APR4.00%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Skyone Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.93%
209 State Highway 121 BYP, Lewisville, TX, 75067 4151
Paycheck Perks Loan
4.00%
▼
APR4.00%
Last UpdatedJuly 28, 2026
Details
Intro Rate. Paycheck Perks makes it easy for you to save big, with a highly competitive savings rate.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
60 Months Loan
4.25%
▼
APR4.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Credit Builder Loan
4.25%
▼
APR4.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - Up to 3 Years (1-36M) Loan
4.25%
▼
APR4.25%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - Up to 3 Years Loan
4.25%
▼
APR4.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Loan
4.29%
▼
APR4.29%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
Recreational/Title Loans
4.42%
▼
APR4.42%
Last UpdatedJuly 28, 2026
Details
Fixed
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
4631 W Waco Dr, Waco, TX, 76710
Real Estate Loan
4.45%
▼
APR4.45%
Last UpdatedJuly 28, 2026
Details
As Low As*
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Loan
4.49%
▼
APR4.49%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
Recreational Loan
4.50%
▼
APR4.50%
Last UpdatedJuly 28, 2026
Details
Starting At
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
72 Months Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 4 - 5 Years (37-64M) Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 4 - 5 Years Loan
4.75%
▼
APR4.75%
Last UpdatedJuly 28, 2026
Details
No additional details available.
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
2025 - Newer Loan
4.79%
▼
APR4.79%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Credit Builder And Mender Loan
4.90%
▼
APR4.90%
Last UpdatedJuly 28, 2026
Details
No additional details available.
South Texas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.27%
2121 W Dove Ave, McAllen, TX, 78504 4064
Summer Loan Promotion
4.95%
▼
APR4.95%
Last UpdatedJuly 28, 2026
Details
As Low As; Limited-time offer.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 6 Years Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
2022 - 2024 Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A+ 0-60 Months Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A 0-48 Months Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2025 Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 6 Years (65-76M) Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
60 months Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year New - 2025
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
36 months Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year New - 2025
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2026 Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2024 Loan
4.99%
▼
APR4.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
78 Months Loan
5.00%
▼
APR5.00%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX, 75050
Personal Loans with Collateral
5.00%
▼
APR5.00%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Nueces Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
901 Leopard St, Corpus Christi, TX, 78401 3606
Loan Promotion
5.00%
▼
APR5.00%
Last UpdatedJuly 28, 2026
Details
As Low As; Call the credit union for loan promotion rates
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
10 Year Loan
5.09%
▼
APR5.09%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
75 months Loan
5.09%
▼
APR5.09%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year New - 2025
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
2019- 2021 Loan
5.19%
▼
APR5.19%
Last UpdatedJuly 28, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Loan
5.19%
▼
APR5.19%
Last UpdatedJuly 28, 2026
Details
No additional details available.
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX, 79701 1610
New (2026 - 2025) Loan
5.24%
▼
APR5.24%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 7 Years Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Other Collateral Loans
5.25%
▼
APR5.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - Up to 3 Years Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - Up to 3 Years (1-36M) Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
84 Months Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 7 Years (77-88M) Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
Land Loans
5.25%
▼
APR5.25%
Last UpdatedJuly 28, 2026
Details
Monthly Payment per $10,000 Borrowed as low as $189.87
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2016-2024 - Up to 3 Years Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
All Other Collateral Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 28, 2026
Details
As Low As
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2016-2024 - Up to 3 Years (1-36M) Loan
5.25%
▼
APR5.25%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
36 months Loan
5.29%
▼
APR5.29%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year 2024 - 2021
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
60 months Loan
5.39%
▼
APR5.39%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year 2024 - 2021
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
84 months Loan
5.39%
▼
APR5.39%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year New - 2025; Extended terms must meet credit & collateral qualifications.
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
5001 W 7th St, Texarkana, TX, 75501 6269
2018-older Loan
5.39%
▼
APR5.39%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Firstmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
10yr Loan
5.45%
▼
APR5.45%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New Misc. Collateral Loan
5.45%
▼
APR5.45%
Last UpdatedJuly 28, 2026
Details
No additional details available.
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX, 79701 1610
New (2026 - 2025) Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 28, 2026
Details
No additional details available.
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX, 79701 1610
Used (2026 - 2022) Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
36 months Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year 2020 - 2016
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2021 or Newer - Up to 3 Years Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 28, 2026
Details
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A+ 61-72 Months Loan
5.49%
▼
APR5.49%
Last UpdatedJuly 28, 2026
Details
No additional details available.
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Other Collateral Loans
5.50%
▼
APR5.50%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2307 W Oak St, Palestine, TX, 75801 4063
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedJuly 28, 2026
Details
Borrow up to $2,000
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX, 75605 7916
Interim Construction Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
Land/Unimproved Property Loan
5.50%
▼
APR5.50%
Last UpdatedJuly 28, 2026
Details
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
60 months Loan
5.59%
▼
APR5.59%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year 2020 - 2016
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
75 months Loan
5.59%
▼
APR5.59%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year 2024 - 2021
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX, 79701 1610
New (2026 - 2025) Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 28, 2026
Details
No additional details available.
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX, 79701 1610
Used (2026 - 2022) Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
2100 Seymour Hwy, Wichita Falls, TX, 76301
New Loan
5.74%
▼
APR5.74%
Last UpdatedJuly 28, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
Land Loans
5.75%
▼
APR5.75%
Last UpdatedJuly 28, 2026
Details
Monthly Payment per $10,000 Borrowed as low as $109.78
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2016-2024 - 4 - 5 Years (37-64M) Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2016-2024 - 4 - 5 Years Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 4 - 5 Years (37-64M) Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 4 - 5 Years Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
REAL ESTATE Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
Land/Unimproved Property Loan
5.75%
▼
APR5.75%
Last UpdatedJuly 28, 2026
Details
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
NEW Loan
5.80%
▼
APR5.80%
Last UpdatedJuly 28, 2026
Details
Up to 60 months
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
75 months Loan
5.89%
▼
APR5.89%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year 2020 - 2016
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX, 78233 2416
One-Time Close Construction Loan
5.90%
▼
APR5.90%
Last UpdatedJuly 28, 2026
Details
As Low As; One-Time Close Construction
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2021 or Newer - 4 - 5 Years Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
Other collateral Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating B 0-48 Months Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A 0-60 Months Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
LTV: Up to 70%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 6 Years Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 6 Years (65-76M) Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2020 & Older - Up to 3 Years Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2016-2024 - 6 Years Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2016-2024 - 6 Years (65-76M) Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
84 months Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year 2024 - 2021; Extended terms must meet credit & collateral qualifications.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
2023 Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX, 79701 1610
Used (2026 - 2022) Loan
5.99%
▼
APR5.99%
Last UpdatedJuly 28, 2026
Details
No additional details available.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Unsecured Financing A+ 0-60 Months
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
+2.00% above Share Savings Dividend Rate*
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX, 75904 5624
1 - 47 Months Financed Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
Tier 1 >700
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX, 77713
New & Used Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
No additional details available.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX, 75605 7916
Credit Builder Loans
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
6.00% above TSC rate
American Baptist Association Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
21103 Chenango Lake Dr, Angleton, TX, 77515
Church Loans
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
up to $50,000.00
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Unimproved Property Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Unsecured Financing A+ 0-36 Months
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
740 Fannin St, Beaumont, TX, 77701
Land/Unimproved Property Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
As Low As
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Tractors (84 months or less) Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
APR*
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
APR*
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
600 W Louisiana Ave, Midland, TX, 79701 1610
Used (2021 - 2020) Loan
6.04%
▼
APR6.04%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
2100 Seymour Hwy, Wichita Falls, TX, 76301
New Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 28, 2026
Details
72 Months**
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
2100 Seymour Hwy, Wichita Falls, TX, 76301
Used Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3800 Sheppard Access Rd, Wichita Falls, TX, 76306
Recreational Loan
6.24%
▼
APR6.24%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 7 Years (77-88M) Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX, 75904 5624
48 - 59 Months Financed Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
Tier 1 >700
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
AGRICULTURE Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - 7 Years Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Personal Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2021 or Newer - 6 Years Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2016-2024 - 7 Years Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2016-2024 - 7 Years (77-88M) Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Interim Construction Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
As Low As
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2016-2024 - Up to 3 Years (1-36M) Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX, 78233 2416
10 years Loan
6.27%
▼
APR6.27%
Last UpdatedJuly 28, 2026
Details
As Low As; More rate info
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
84 months Loan
6.29%
▼
APR6.29%
Last UpdatedJuly 28, 2026
Details
As Low As; Model Year 2020 - 2016; Extended terms must meet credit & collateral qualifications.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX, 77082 2319
VA Loan
6.30%
▼
APR6.30%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Medical residency loan
6.33%
▼
APR6.33%
Last UpdatedJuly 28, 2026
Details
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
USED Loan
6.35%
▼
APR6.35%
Last UpdatedJuly 28, 2026
Details
Up to 48 months
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
Used Misc. Collateral Loan
6.45%
▼
APR6.45%
Last UpdatedJuly 28, 2026
Details
No additional details available.
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A 61-72 Months Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 28, 2026
Details
No additional details available.
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Credit Rating A+ 73-84 Months > 30k Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Personal Premier Loan
6.49%
▼
APR6.49%
Last UpdatedJuly 28, 2026
Details
Discount up to 1.50%*
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
2320 6TH ST, Bay City, TX, 77414 5240
Unsecured Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 28, 2026
Details
As Low As
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX, 75605 7916
5 Year Balloon Rate Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 28, 2026
Details
No additional details available.
SOUTHLAND
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
2601 S John Redditt Dr, Lufkin, TX, 75904 5624
60 - 71 Months Financed Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 28, 2026
Details
Tier 1 >700
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Dental residency loan
6.50%
▼
APR6.50%
Last UpdatedJuly 28, 2026
Details
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Summer Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 28, 2026
Details
As low as
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 28, 2026
Details
As Low As; Loan Amount: $500 - $25,000
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.94%
3700 Skyline Dr, Nederland, TX, 77627 8303
Construction Loans
6.50%
▼
APR6.50%
Last UpdatedJuly 28, 2026
Details
interest only with remaining accrued interest and principal due at maturity
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Bar exam loan
6.51%
▼
APR6.51%
Last UpdatedJuly 28, 2026
Details
Variable rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX, 78233 2416
Investment Property 7 years Loan
6.53%
▼
APR6.53%
Last UpdatedJuly 28, 2026
Details
As Low As; Investment Property
Randolph Brooks FCU
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX, 78233 2416
Investment Property 10 years Loan
6.54%
▼
APR6.54%
Last UpdatedJuly 28, 2026
Details
As Low As; Investment Property
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1939 Strickland Dr, Orange, TX, 77630 2901
Land (10 years and below) Loan
6.59%
▼
APR6.59%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
Adventure Loans
6.59%
▼
APR6.59%
Last UpdatedJuly 28, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate Loan
6.59%
▼
APR6.59%
Last UpdatedJuly 28, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Loan
6.69%
▼
APR6.69%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
Personal Loans
6.70%
▼
APR6.70%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
2100 Seymour Hwy, Wichita Falls, TX, 76301
New Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
2100 Seymour Hwy, Wichita Falls, TX, 76301
Used Loan
6.74%
▼
APR6.74%
Last UpdatedJuly 28, 2026
Details
72 Months**
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2016-2024 - 4 - 5 Years (37-64M) Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2020 & Older - 4 - 5 Years Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 28, 2026
Details
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2025 or Newer - Up to 3 Years (1-36M) Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 28, 2026
Details
Vehicle Rates; Tier Level: B; Equifax Score: 660-699; Minimum $10,000
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Agriculture Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 28, 2026
Details
No additional details available.
BP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX, 77079 4136
Vacant Land/Lot Unimproved (Raw) Land Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 28, 2026
Details
As low as 15% down**
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
2301 RICHMOND RD, TEXARKANA, TX, 75503
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 28, 2026
Details
Credit Tier: 740 or greater
Brazos Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
701 Harvey Rd, College Station, TX, 77840
Back on Track Loans
6.75%
▼
APR6.75%
Last UpdatedJuly 28, 2026
Details
No additional details available.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX, 75605 7916
Instant Cash Loans
6.75%
▼
APR6.75%
Last UpdatedJuly 28, 2026
Details
base rate
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1810 N Major Dr, Beaumont, TX, 77713
New & Used Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Texas Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX, 75050
Personal Loans with Collateral
5.00%
▼
APR5.00%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedJuly 28, 2026
Details
As Low As
Windthorst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
14205 W FM 174, WINDTHORST, TX, 76389
Personal Loan
6.25%
▼
APR6.25%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedJuly 28, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
Personal Loans
6.70%
▼
APR6.70%
Last UpdatedJuly 28, 2026
Details
No additional details available.
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
2301 RICHMOND RD, TEXARKANA, TX, 75503
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedJuly 28, 2026
Details
Credit Tier: 740 or greater
Powered by
MonitorBankRates
Texas Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TxDot Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
4174 Old Anson Rd, Abilene, TX, 79601
Debt Consolidation Loan
9.00%
▼
APR9.00%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2900 Decker Dr, Baytown, TX, 77520 2076
Debt Consolidation Loan
10.99%
▼
APR10.99%
Last UpdatedJuly 28, 2026
Details
As Low As
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
3200 S Dairy Ashford Rd, Houston, TX, 77082 2319
Debt Consolidation Loan
11.49%
▼
APR11.49%
Last UpdatedJuly 28, 2026
Details
No additional details available.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Debt Consolidation Loan
12.05%
▼
APR12.05%
Last UpdatedJuly 28, 2026
Details
Maximum APR: 18.00%
Covenant Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
2904 E Stan Schlueter loop Bldg A, Killeen, TX, 76542 4813
Debt Consolidation Loans
12.90%
▼
APR12.90%
Last UpdatedJuly 28, 2026
Details
As Low As; *Effective 3/1/2023 Rates subject to change without notice.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
Debt Consolidation Loan
13.05%
▼
APR13.05%
Last UpdatedJuly 28, 2026
Details
Maximum APR: 18.00%
Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
6401 Bell St, Amarillo, TX, 79109
Debt Consolidation Loan
13.99%
▼
APR13.99%
Last UpdatedJuly 28, 2026
Details
As low as**
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJuly 28, 2026
Details
No additional details available.
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Texas Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
2307 W Oak St, Palestine, TX, 75801 4063
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedJuly 28, 2026
Details
Borrow up to $2,000
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate Loan
6.59%
▼
APR6.59%
Last UpdatedJuly 28, 2026
Details
No additional details available.
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MonitorBankRates
Texas Personal Loan Rate Trends
Compare local Texas 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
10.699%
▼ 0.056 vs 7 days ago
Texas personal loan rates fell 0.056 points over the past 7 days to 10.699% APR.
Signature Loan — TX Avg
12.098%
▼ 0.071 vs 7 days ago
Texas signature loan rates fell 0.071 points over the past 7 days to 12.098% APR.
As of Jul 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 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?
Most lenders in 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 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 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 Texas?
Credit unions in 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 Texas?
- City of Deer Park Federal Credit Union: 3.99% (Credit Rating A+ 0-48 Months Loan)
- InvesTex Credit Union: 3.99% (New and Used Loan)
- 5Point Credit Union: 4.00% (48 Months Loan)
- Skyone Federal Credit Union: 4.00% (Paycheck Perks Loan)
- Abilene Teachers Federal Credit Union: 4.25% (Credit Builder Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 27, 2026.
