Best Personal Loan Rates in San Antonio, Texas - June 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: 7.04% offering Credit Builder Loan at 4.50% 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, GREATER TEXASGREATER TEXAS3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078A5.0 ★Texas Ratio: 6.70% offering New - 36 months Loan at 5.66% 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, and 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. Personal loan rates as of June 16, 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: June 16, 2026
San Antonio Personal Loan Rates
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As Low As
As Low As
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As Low As
As Low As; Up to $150,000
As Low As; More rate info
As Low As
No additional details available.
$150,000; quoted with 20% down payment
No additional details available.
As Low As
As Low As; Investment Property
As Low As; Investment Property
$100,000; quoted with 20% down payment
As Low As; *Rates disclosed as Annual Percentage Rate [APR] and; Annual Percentage Yield [APY] and may change at the bank's discretion. Loans are subject to underwriting approval.
As Low As; New - 2025 Model Year. Minimum to Finance: < $10K: Add 2.00% to applicable rate
No additional details available.
$50,000; quoted with 20% down payment
As Low As
As Low As; 2024 - 2021 Model Year. Minimum to Finance: < $10K: Add 2.00% to applicable rate
As Low As; New - 2025 Model Year
$25,000; quoted with 20% down payment
As Low As; New - 2025 Model Year. Extended terms must meet credit & collateral qualifications.
$10,000; quoted with 20% down payment
As Low As
As Low As
As Low As; from $1,001 to $75,000
As Low As; 2024 - 2021 Model Year
As Low As; 2024 - 2021 Model Year. Extended terms must meet credit & collateral qualifications.
As Low As; Apply Now »
As Low As
As Low As; Apply Now »
As Low As; from $75,001 to $250,000
As Low As; 2020 - 2016 Model Year. Minimum to Finance: < $10K: Add 2.00% to applicable rate
As Low As
Interest rates starting at 8.00%
As Low As; Interest rates starting at 8.00%*. 2% rate discount for qualified applicants.
As Low As
As Low As; 2020 - 2016 Model Year
As Low As; Apply Now »
As Low As; 2020 - 2016 Model Year. Extended terms must meet credit & collateral qualifications.
As Low As; New - 2025 Model Year. Extended terms must meet credit & collateral qualifications.
As Low As; Promotional Rate
As Low As; 2024 - 2021 Model Year. Extended terms must meet credit & collateral qualifications.
No additional details available.
As Low As; Apply Now »
Flat Rate; Up to $25,000
As Low As; Fixed
As Low As; 2020 - 2016 Model Year. Extended terms must meet credit & collateral qualifications.
As Low As; Apply Now »
Up to 18.000%
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. No payments up to 90 days. No prepayment penalties. Payment protection available.
As Low As
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As Low As
Up to 18.000%
No additional details available.
$5,000; quoted with 20% down payment. Loans < $10K require marine survey and US Coast Guard registration - paid by borrower(s). Add 2.00% to applicable rate for balances less than $10,000.
Up to 16.750%
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. No payments up to 90 days. No prepayment penalties. Payment protection available.
Rates are Variable*
As Low As; Payment per $10,000: $881
No additional details available.
No additional details available.
As Low As
As Low As; Payment per $10,000: $327
No additional details available.
As Low As
No additional details available.
Up to 17.650%
As Low As; 18.000%
As Low As; Payment per $10,000: $261
Rates are effective as of 05/04/2026. Rates and terms may vary based on creditworthiness.
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.
As Low As
Rates are Variable*
No additional details available.
Rates are Variable*
Rates are effective as of 05/04/2026. Rates and terms may vary based on creditworthiness.
No additional details available.
24% APR with a $20 application fee. Underwriting terms and conditions apply.
No additional details available.
No additional details available.
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No additional details available.
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No additional details available.
Equifax Score: 750+
No additional details available.
Model Year: 2011 to 2015
No additional details available.
Maximum Loan Discount: 0.75%
Model Year: 2016 to 2019
Starting At
Fixed
No additional details available.
No additional details available.
No additional details available.
Model Year: 2020 to 2024
Model Year: 2025 to 2027
As Low As; Qualified buyers: Take 90 days to make your first payment.
Maximum Loan Discount: 0.75%
Equifax Score: 750+
No additional details available.
Model Year: 2025 to 2027
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Intro rate expires: 9 months; Regular APR: 4.99%
Maximum Loan Discount: 0.75%
Equifax Score: 750+
No additional details available.
No additional details available.
No additional details available.
As Low As; *
A+ rating
Model Year: 2011 to 2015
No additional details available.
No additional details available.
No additional details available.
Model Year: 2016 to 2019
No additional details available.
No additional details available.
Model Year: 2020 to 2024
As Low As; Annual Percentage Rate
Equifax Score: 750+
Equifax Score: 750+
Equifax Score: 700-749
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Model Year: 2025 to 2027
As Low As; Your Summer Starts Here Fast. Easy. No Credit Check Get the funds you need for travel, projects, and everything in between.
No additional details available.
No additional details available.
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No additional details available.
Model Year: 2025 to 2027
No additional details available.
Maximum Loan Discount: 0.75%
As low as
As low as
No additional details available.
Borrow up to $2,000. June & July 2026.
No additional details available.
No additional details available.
Model Year: 2025 to 2027
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
No additional details available.
As low as
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
Equifax Score: 750+
Equifax Score: 700-749
No additional details available.
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
No additional details available.
MAX
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
No additional details available.
No additional details available.
No additional details available.
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
Equifax Score: 750+
No additional details available.
No additional details available.
Equifax Score: 700-749
LTV: Up to 70%
As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
APR*
As Low As
As Low As
No additional details available.
+2.00% above Share Savings Dividend Rate*
Tier 1 >700
No additional details available.
MAX
Model Year: 2025 to 2027
Maximum loan amount $100,000.00
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
No additional details available.
Maximum Loan Discount: 0.75%
Maximum Term: 72 Months**
As Low As*
As Low As
Tier 1 >700
No additional details available.
No additional details available.
No additional details available.
Equifax Score: 700-749
Equifax Score: 700-749
Equifax Score: 750+
As Low As; APR= Annual Percentage Rate
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Maximum loan amount $50,000.00
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Variable rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Up to $10,000; As Low As
As low as
No additional details available.
No additional details available.
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
San Antonio Personal Loan Rates
As Low As
As Low As
As Low As; Promotional Rate
Up to 18.000%
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
Up to 18.000%
No additional details available.
Up to 16.750%
No additional details available.
As Low As; Payment per $10,000: $881
No additional details available.
No additional details available.
As Low As; Payment per $10,000: $327
No additional details available.
No additional details available.
Up to 17.650%
As Low As; 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.
As Low As
A+ rating
No additional details available.
As Low As
No additional details available.
San Antonio Debt Consolidation Loan Rates
No additional details available.
No additional details available.
Maximum APR: 18.00%
As Low As
Maximum APR: 18.00%
As Low As
San Antonio Signature Loan Rates
As Low As; from $1,001 to $75,000
As Low As
As Low As
As Low As; Fixed
As Low As
As Low As
Borrow up to $2,000. June & July 2026.
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 0.040 points over the past 7 days to 10.850% APR.
Texas signature loan rates fell 0.288 points over the past 7 days to 12.112% 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)
- Firstmark Credit Union: 5.45% (10yr Loan)
- GREATER TEXAS: 5.66% (New - 36 months Loan)
- Nizari Progressive Federal Credit Union: 5.75% (Post Graduate Consolidation Loan)
- Randolph Brooks FCU: 5.90% (One-Time Close Construction Loan)
Personal Loan Calculators
