Best Personal Loan Rates in San Antonio, 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 San Antonio, Texas include: Baxter Credit UnionBaxter Credit Union7034 Alamo Downs Pkwy, San Antonio, TX, 78238A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, USAA Federal Savings BankUSAA Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX, 78288A-5.0 ★Texas Ratio: 14.77% offering VA Interest Rate Reduction Refinance Loan, or IRRRL at 5.73% APR, 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, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12054 Starcrest Dr, San Antonio, TX, 78247A+5.0 ★Texas Ratio: 2.18% offering Personal /Signature Loan - from to $75,000 at 7.25% APR, and Synergy Federal Credit UnionSynergy Federal Credit Union1 Valero Way, San Antonio, TX, 78249 1616A+5.0 ★Texas Ratio: 0.96% offering Signature Loans at 7.90% APR. Personal loan rates as of April 14, 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: April 14, 2026
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Up to $25,000; Flat Rate
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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 02/23/2026.
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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 02/23/2026.
As Low As; Rates accurate as of 04/7/2026. Rates as low as 10.49% APR and as high as 18% APR and are subject to change without prior notice. Terms range from 12 to 60 months. The minimum dollar amount for 60 months is $10,000. Other restrictions may apply.
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Loans subject to approval; with a $20 application feed; Underwriting terms and conditions apply.
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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.
20% down
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As Low As; No pay for 90 days; Easy financing
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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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balance $75,000
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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.
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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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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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48 TO 60 MOS*SAME AS USED CARS
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As Low As; Regular APR: 10.090%
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CONTACT LOAN DEPARTMENT FOR DETAILS
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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; Borrow up to $15K for 120 Months
UP TO 48 MONTHS
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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
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up to 60 months
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.
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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As Low As; Rates accurate as of 04/7/2026. Rates as low as 10.49% APR and as high as 18% APR and are subject to change without prior notice. Terms range from 12 to 60 months. The minimum dollar amount for 60 months is $10,000. Other restrictions may apply.
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A+ rating
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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
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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.
As Low As; Up to $35,000 ($1,000 minimum)
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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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As Low As; Borrow up to $2,000 for up to 24 months.
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up to 60 months
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 currently average 10.632% APR.
Texas signature loan rates currently average 12.414% 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 San Antonio, Texas?
What are the best personal loan rates in San Antonio, Texas?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- USAA Federal Savings Bank: 5.73% (VA Interest Rate Reduction Refinance Loan, or IRRRL)
- Farm Bureau Bank FSB: 6.70% (Equipment Loans)
- Nizari Progressive Federal Credit Union: 7.25% (Personal /Signature Loan - from to $75,000)
- Synergy Federal Credit Union: 7.90% (Signature Loans)
Personal Loan Calculators
