Best Personal Loan Rates in San Antonio, Texas - July 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: Farm Bureau Bank FSBFarm Bureau Bank FSB17300 Henderson Pass, San Antonio, TX, 78232A+5.0 ★Texas Ratio: 2.42% offering 36 months Loan at 4.99% APR, Firstmark Credit UnionFirstmark Credit Union2023 Gold Canyon Rd, San Antonio, TX, 78232 1703A+5.0 ★Texas Ratio: 3.69% offering 10yr Loan at 5.45% APR, Randolph Brooks FCURandolph Brooks FCU11432 W Loop 1604 N, San Antonio, TX, 78254A+5.0 ★Texas Ratio: 4.42% offering One-Time Close Construction Loan at 5.90% APR, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12054 Starcrest Dr, San Antonio, TX, 78247A+5.0 ★Texas Ratio: 2.09% offering Personal Premier Loan at 6.49% 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 July 27, 2026 according to verified data from MonitorBankRates.
San Antonio has 11 local institutions in our database, with personal loan rates as low as 4.99% APR from Farm Bureau Bank FSB at 17300 Henderson Pass, San Antonio, TX, 78232. 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: July 27, 2026
San Antonio Personal Loan Rates
As Low As; Model Year New - 2025
As Low As; Model Year New - 2025
As Low As; Model Year New - 2025
As Low As; Model Year 2024 - 2021
As Low As; Model Year 2024 - 2021
As Low As; Model Year New - 2025; Extended terms must meet credit & collateral qualifications.
No additional details available.
As Low As; Model Year 2020 - 2016
As Low As; Model Year 2020 - 2016
As Low As; Model Year 2024 - 2021
As Low As; Model Year 2020 - 2016
As Low As; One-Time Close Construction
As Low As; Model Year 2024 - 2021; Extended terms must meet credit & collateral qualifications.
As Low As; More rate info
As Low As; Model Year 2020 - 2016; Extended terms must meet credit & collateral qualifications.
Discount up to 1.50%*
As Low As; Investment Property
As Low As; Investment Property
As Low As
Model Year New - 2025; Minimum to Finance: < $10K: Add 2.00% to applicable rate
No additional details available.
Model Year 2024 - 2021; Minimum to Finance: < $10K: Add 2.00% to applicable rate
As Low As
Model Year 2024 - 2021
As Low As
As Low As; Rate: 7.500%
As Low As; Rate: 7.250%
As Low As
As Low As; Rate: 7.875%
Model Year 2020 - 2016
Model Year 2020 - 2016; Minimum to Finance: < $10K: Add 2.00% to applicable rate
Promotional Rate; Minimum $2,000
As Low As; Rates and terms subject to change. Please visit our rates page for more details.
Extended terms must meet credit & collateral qualifications.; Model Year 2024 - 2021
As Low As; Fixed
Extended terms must meet credit & collateral qualifications.; Model Year 2020 - 2016
Up to 18.000%
As Low As
Rates as low as 9.99% APR, which includes a 0.5% discount for enrolling in automatic payments. Your APR may be as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
Up to 18.000%
Up to 16.750%
Rates are Variable*
As Low As; Payment per $10,000: $881
As Low As
As Low As; Payment per $10,000: $327
No additional details available.
Up to 17.650%
As Low As; Rate: 11.200%-18.000%
As Low As; Payment per $10,000: $261
As Low As; **
As Low As; Payment per $10,000: $222
Up to 18.000%
As Low As; **
As low as; Unsecured Loan, Fixed Rate
Rates are Variable*
No additional details available.
Rates are Variable*
No additional details available.
Rates are Variable*
No additional details available.
No additional details available.
No additional details available.
Intro Rate. Paycheck Perks makes it easy for you to save big, with a highly competitive savings rate.
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
No additional details available.
No additional details available.
Fixed
As Low As*
No additional details available.
Starting At
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
No additional details available.
No additional details available.
No additional details available.
As Low As; Limited-time offer.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
No additional details available.
No additional details available.
No additional details available.
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.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
As Low As
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
Monthly Payment per $10,000 Borrowed as low as $189.87
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
No additional details available.
No additional details available.
No additional details available.
Borrow up to $2,000
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Monthly Payment per $10,000 Borrowed as low as $109.78
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
No additional details available.
Up to 60 months
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
No additional details available.
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
No additional details available.
LTV: Up to 70%
No additional details available.
No additional details available.
+2.00% above Share Savings Dividend Rate*
No additional details available.
Tier 1 >700
up to $50,000.00
6.00% above TSC rate
No additional details available.
As Low As
As Low As
APR*
APR*
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
72 Months**
No additional details available.
No additional details available.
No additional details available.
Tier 1 >700
No additional details available.
No additional details available.
No additional details available.
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: A; Equifax Score: 700-749; Minimum $10,000
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
As Low As
No additional details available.
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Up to 48 months
No additional details available.
No additional details available.
No additional details available.
interest only with remaining accrued interest and principal due at maturity
As Low As; Loan Amount: $500 - $25,000
As low as
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
As Low As
No additional details available.
Tier 1 >700
Variable rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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
No additional details available.
As low as 15% down**
Credit Tier: 740 or greater
No additional details available.
base rate
No additional details available.
San Antonio Personal Loan Rates
As Low As
Promotional Rate; Minimum $2,000
As Low As; Rates and terms subject to change. Please visit our rates page for more details.
Up to 18.000%
Rates as low as 9.99% APR, which includes a 0.5% discount for enrolling in automatic payments. Your APR may be as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
Up to 18.000%
Up to 16.750%
As Low As; Payment per $10,000: $881
As Low As; Payment per $10,000: $327
Up to 17.650%
As Low As; Rate: 11.200%-18.000%
As Low As; Payment per $10,000: $261
As Low As; **
As Low As; Payment per $10,000: $222
Up to 18.000%
As Low As; **
As low as; Unsecured Loan, Fixed Rate
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Loan Amount: $500 - $25,000
No additional details available.
Credit Tier: 740 or greater
San Antonio Debt Consolidation Loan Rates
No additional details available.
No additional details available.
As Low As
No additional details available.
Maximum APR: 18.00%
As Low As; *Effective 3/1/2023 Rates subject to change without notice.
Maximum APR: 18.00%
As low as**
San Antonio Signature Loan Rates
As Low As
As Low As
As Low As; Fixed
As Low As
As Low As
Borrow up to $2,000
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 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 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?
- Farm Bureau Bank FSB: 4.99% (36 months Loan)
- Firstmark Credit Union: 5.45% (10yr Loan)
- Randolph Brooks FCU: 5.90% (One-Time Close Construction Loan)
- Nizari Progressive Federal Credit Union: 6.49% (Personal Premier Loan)
- Synergy Federal Credit Union: 7.90% (Signature Loans)
Personal Loan Calculators
