Best Personal Loan Rates in Onalaska, Texas (TX) - April 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 Onalaska, Texas include: Tinker Federal Credit UnionTinker Federal Credit UnionA+5.0 ★Texas Ratio: 2.99% offering Storm Shelter Loans at 3.99% APR, Secured Advantage Federal Credit UnionSecured Advantage Federal Credit UnionA5.0 ★Texas Ratio: 7.07% offering Starter Loans at 4.00% APR, Houston Highway Credit UnionHouston Highway Credit UnionA+5.0 ★Texas Ratio: 1.00% offering Credit Builder Step-Up Loan Process STEP 5 at 4.00% APR, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.98% offering Signature Unsecured Loan at 4.25% APR, and Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit UnionA+5.0 ★Texas Ratio: 3.85% offering Title Loan at 4.49% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Onalaska borrowers have access to 75 lenders serving the Texas area, with personal loan rates as low as 3.99% APR from Tinker Federal Credit Union. 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 Onalaska, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Onalaska, 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: April 11, 2026
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As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
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20% down
As Low As; No pay for 90 days; Easy financing
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As Low As; Restrictions Apply
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balance $20,000
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A+ rating
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48 TO 72 MOS*SAME AS NEW CARS
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balance $75,000
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10% down
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As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
As Low As; Borrow up to $2,000 for up to 24 months.
balance $75,000
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balance $75,000
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As Low As; Minimum holiday loan amount $350, maximum determined by credit qualifications up to $15,000.
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As Low As; Up to 70%
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As Low As; With Approved Credit
Loan rate of 6% is effective January 1, 2021. Must have an open established Membership Savings Account in good standing. Must be able to provide two paystubs and have at least 1-year of job history.
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Months
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48 TO 60 MOS*SAME AS USED CARS
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As Low As; Regular APR: 10.090%
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As Low As; Loyalty Plus & Online Application Discount
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As Low As; Up to 60 Months
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As Low As; 71% to 80%
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CONTACT LOAN DEPARTMENT FOR DETAILS
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$1,001; As Low As
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As Low As; WITH NO PAYMENTS FOR 60 DAYS! Interest accrues from date of loan disbursal. Call for details. Qualifying criteria applies. Rates and terms subject to change without notice.
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As Low As; 81% to 90%
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UP TO 48 MONTHS
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As Low As; Up to $35,000 ($1,000 minimum)
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10% Down
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As Low As; Fixed rates starting as low as 7.89%; No collateral required-qualify based on your credit and income; No prepayment penalties or application fees; Payment protection insurance available
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
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up to 60 months
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10% Down
As Low As; Up to $35,000 ($1,000 minimum)
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As Low As; Annual Percentage Rate (APR) quoted is lowest possible for qualified borrowers. APR quoted represents up to a 36-month term for a personal loan. Estimated monthly payment of $86.30 per $1,000 borrowed for 12-month term. Your rate may vary. Qualifications based on credit history, debt and ability to repay. Loan amounts $1,000 - $25,000. Refinancing of existing Mesquite Credit Union loan is not permitted.
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A+ rating
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As Low As; months or less
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As Low As; Up to $35,000 ($1,000 minimum)
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As Low As; Fixed rates starting as low as 7.89%; No collateral required-qualify based on your credit and income; No prepayment penalties or application fees; Payment protection insurance available
As Low As; Up to $35,000 ($1,000 minimum)
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As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
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As Low As; Select "Debt Consolidation" on your application.
As Low As; Other terms available.
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As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
As Low As; With Approved Credit
As Low As; Borrow up to $2,000 for up to 24 months.
As Low As; With Approved Credit
Months
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$1,001; As Low As
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up to 60 months
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Onalaska, TX Personal Loan Rate Trends
Compare local Onalaska, 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 0.552 points over the past 7 days to 10.859% APR.
Texas signature loan rates fell 0.874 points over the past 7 days to 12.504% APR.
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 Onalaska, Texas?
What are the best personal loan rates in Onalaska, Texas?
- Tinker Federal Credit Union: 3.99% (Storm Shelter Loans)
- Secured Advantage Federal Credit Union: 4.00% (Starter Loans)
- Houston Highway Credit Union: 4.00% (Credit Builder Step-Up Loan Process STEP 5)
- IBEW Local 66 Federal Credit Union: 4.25% (Signature Unsecured Loan)
- Gulf Coast Educators Federal Credit Union: 4.49% (Title Loan)
Personal Loan Calculators
