Best Personal Loan Rates in San Antonio, Texas (TX) - May 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 San Antonio, Texas include: Baxter Credit UnionBaxter Credit Union7034 Alamo Downs Pkwy, San Antonio, TX, 78238A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12054 Starcrest Dr, San Antonio, TX, 78247A+5.0 ★Texas Ratio: 2.09% offering Post Graduate Consolidation Loan at 5.75% APR, USAA Federal Savings BankUSAA Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX, 78288A-5.0 ★Texas Ratio: 14.77% offering VA purchase loan at 6.49% APR, Synergy Federal Credit UnionSynergy Federal Credit Union1 Valero Way, San Antonio, TX, 78249 1616A+5.0 ★Texas Ratio: 0.96% offering Other Collateral Loan at 6.50% APR, and Farm Bureau Bank FSBFarm Bureau Bank FSB17300 Henderson Pass, San Antonio, TX, 78232A+5.0 ★Texas Ratio: 2.42% offering Equipment Loans at 6.70% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
San Antonio has 14 local institutions in our database, with personal loan rates as low as 4.50% APR from Baxter Credit Union at 7034 Alamo Downs Pkwy, San Antonio, TX, 78238. 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 San Antonio, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in San Antonio, 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: May 23, 2026
San Antonio Personal Loan Rates
No additional details available.
As Low As
As Low As
As Low As; - Up to $150,000
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Model Year New - 2025
As Low As
As Low As; Model Year 2024 - 2021
No additional details available.
As Low As; Model Year New - 2025
As Low As
As Low As; Model Year New - 2025
As Low As; Model Year 2024 - 2021
As Low As; Model Year 2024 - 2021
As Low As
As Low As; - from $1,001 to $75,000
As Low As
As Low As; Model Year 2020 - 2016
As Low As
As Low As; Model Year 2020 - 2016
As Low As; Model Year 2020 - 2016
As Low As; Model Year New - 2025
As Low As
As Low As; - from $75,001 to $250,000
As Low As; Model Year 2024 - 2021
Flat Rate -Up to $25,000
As Low As
As Low As; Model Year 2020 - 2016
As Low As
As Low As; Rate listed includes a rate discount of 0.25%, which is applied to a new personal loan when enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account.
As Low As; Rate listed includes a rate discount of 0.25%, which is applied to a new personal loan when enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account. Rates effective 05/04/2026.
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; Rate listed includes a rate discount of 0.25%, which is applied to a new personal loan when enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account. Rates effective 05/04/2026.
Rates are Variable*
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Rates are Variable*
No additional details available.
No additional details available.
Rates are Variable*
As Low As
No additional details available.
Rates are Variable*
As Low As
Loans subject to approval.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
Intro rate expires: 9 months
As Low As
No additional details available.
No additional details available.
As Low As; Call the credit union for loan promotion rates
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
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.
As Low As; Restrictions Apply
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low as
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
As Low As; APR=Annual Percentage Rate. With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
As Low As; Up to 70% LTV
Months
No additional details available.
No additional details available.
As Low As
No additional details available.
Tier 1 >700
As Low As
As Low As
As Low As
*** *
No additional details available.
Tier 1 >700
Lowest rates shown include the auto debit discount.
Lowest rates shown include the auto debit discount.
No additional details available.
As Low As
Tier 1 >700
No additional details available.
*** *
Lowest rates shown include the auto debit discount.
As Low As
Lowest rates shown include the auto debit discount.
As Low As; Borrow up to $25,000
As Low As; Loan Amount: $500 - $25,000
No additional details available.
Lowest rates shown include the auto debit discount.
As Low As
As Low As
As Low As
No additional details available.
24 months
As Low As; Regular APR: 10.090%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Loyalty Plus & Online Application Discount
No additional details available.
*** *
As Low As; Unimproved (Raw) Land; As low as 15% down**
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As; 71% to 80% LTV
No additional details available.
No additional details available.
*** *
As Low As
No additional details available.
No additional details available.
Lowest rates shown include the auto debit discount.
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As; Unimproved (Raw) Land; As low as 15% down**
Tier 2 670 - 699
As Low As
*** *
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; 81% to 90% LTV
No additional details available.
No additional details available.
Tier 2 670 - 699
NEW
*** *
As Low As
As Low As
As Low as
As Low As
As Low As; ends April 30; call for details
As Low As
No additional details available.
No additional details available.
San Antonio Personal Loan Rates
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; Loan Amount: $500 - $25,000
As Low As
24 months
No additional details available.
As Low As
As Low As
As Low As; ends April 30; call for details
As Low As
San Antonio Debt Consolidation Loan Rates
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
Debt Consolidation
As Low As
No additional details available.
As Low As
San Antonio Signature Loan Rates
As Low As
As Low As; - from $1,001 to $75,000
As Low As
As Low As
As Low As
As Low As
As Low As; Borrow up to $2,000 for up to 24 months.
Months
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.
No additional details available.
No additional details available.
San Antonio, TX Personal Loan Rate Trends
Compare local San Antonio, 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 0.158 points over the past 7 days to 10.889% APR.
Texas signature loan rates fell 0.074 points over the past 7 days to 12.468% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Antonio, 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 San Antonio, 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 San Antonio, 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 San Antonio, Texas?
What are the best personal loan rates in San Antonio, Texas?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Nizari Progressive Federal Credit Union: 5.75% (Post Graduate Consolidation Loan)
- USAA Federal Savings Bank: 6.49% (VA purchase loan)
- Synergy Federal Credit Union: 6.50% (Other Collateral Loan)
- Farm Bureau Bank FSB: 6.70% (Equipment Loans)
Personal Loan Calculators
