Best Personal Loan Rates in San Marcos, Texas (TX) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Texas borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in San Marcos, Texas include: University Federal Credit UnionUniversity Federal Credit Union614 N Guadalupe St, San Marcos, TX, 78666 5713A5.0 ★Texas Ratio: 8.47% offering Equipment Loans 12 to 36 Months at 8.25% APR, A+ Federal Credit UnionA+ Federal Credit Union1204 Thorpe Ln, San Marcos, TX, 78666 6538A-5.0 ★Texas Ratio: 14.18% offering A+ Personal Loan at 9.49% APR, Randolph Brooks FCURandolph Brooks FCU1210 Wonder World Dr, San Marcos, TX, 78666 7530A+5.0 ★ offering Signature at 9.70% APR, Austin Telco Federal Credit UnionAustin Telco Federal Credit Union904 Bugg Ln, San Marcos, TX, 78666A+5.0 ★Texas Ratio: 2.16% offering Signature at 9.90% APR, and GREATER TEXASGREATER TEXAS242 N GUADALUPE ST, SAN MARCOS, TX, 78666A5.0 ★Texas Ratio: 11.76% offering Emergency Loans at 10.99% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
San Marcos has 5 local institutions in our database, with personal loan rates as low as 8.25% APR from University Federal Credit Union at 614 N Guadalupe St, San Marcos, TX, 78666 5713. 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 Marcos, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in San Marcos, 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 19, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Equipment Loans 12 to 36 Months
8.25%
▼
APR8.25%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Equipment Loans 37 to 60 Months
8.75%
▼
APR8.75%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Equipment Loans 12 to 36 Months
9.00%
▼
APR9.00%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1204 Thorpe Ln, San Marcos, TX, 78666 6538
A+ Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 22, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Equipment Loans 37 to 60 Months
9.50%
▼
APR9.50%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX, 78666 7530
Signature
9.70%
▼
APR9.70%
Last UpdatedApril 22, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Working Capital Loan
9.75%
▼
APR9.75%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing.
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX, 78666
Signature
9.90%
▼
APR9.90%
Last UpdatedApril 22, 2026
Details
As Low As; Up to 60 Months
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Equipment Loans 12 to 36 Months
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX, 78666 7530
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX, 78666 7530
Signature
10.15%
▼
APR10.15%
Last UpdatedApril 22, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Working Capital Loan
10.25%
▼
APR10.25%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Equipment Loans 37 to 60 Months
10.50%
▼
APR10.50%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Working Capital Loan
10.50%
▼
APR10.50%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
242 N GUADALUPE ST, SAN MARCOS, TX, 78666
Emergency Loans
10.99%
▼
APR10.99%
Last UpdatedApril 22, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Working Capital Loan
11.00%
▼
APR11.00%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX, 78666 7530
Signature
11.15%
▼
APR11.15%
Last UpdatedApril 22, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Working Capital Loan
11.50%
▼
APR11.50%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Working Capital Loan
12.00%
▼
APR12.00%
Last UpdatedApril 22, 2026
Details
A loan documentation fee of $175 will be assessed at closing.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX, 78666 7530
Signature
12.15%
▼
APR12.15%
Last UpdatedApril 22, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Signature Loan
12.90%
▼
APR12.90%
Last UpdatedApril 22, 2026
Details
Excellent
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
242 N GUADALUPE ST, SAN MARCOS, TX, 78666
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 22, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Signature Loan
14.90%
▼
APR14.90%
Last UpdatedApril 22, 2026
Details
Good
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Signature Loan
16.90%
▼
APR16.90%
Last UpdatedApril 22, 2026
Details
Average
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Signature Loan
17.90%
▼
APR17.90%
Last UpdatedApril 22, 2026
Details
Fair
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Storm Shelter Loans
3.99%
▼
APR3.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 5
4.00%
▼
APR4.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.49%
▼
APR4.49%
Last UpdatedApril 22, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 4
4.50%
▼
APR4.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR4.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 22, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Recreational/Title Loans
4.67%
▼
APR4.67%
Last UpdatedApril 22, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.74%
▼
APR4.74%
Last UpdatedApril 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 22, 2026
Details
As Low As
APR4.90%
Last UpdatedApril 22, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.99%
▼
APR4.99%
Last UpdatedApril 22, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Fire Station Loan
4.99%
▼
APR4.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 3
5.00%
▼
APR5.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Used & Refinanced Loans
5.24%
▼
APR5.24%
Last UpdatedApril 22, 2026
Details
As Low As; Subject to credit approval
APR5.25%
Last UpdatedApril 22, 2026
Details
As Low As
APR5.25%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR5.25%
Last UpdatedApril 22, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
5.49%
▼
APR5.49%
Last UpdatedApril 22, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 2
5.50%
▼
APR5.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR5.50%
Last UpdatedApril 22, 2026
Details
As Low As
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Loan Special
5.50%
▼
APR5.50%
Last UpdatedApril 22, 2026
Details
As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedApril 22, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
APR5.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA Interest Rate Reduction Refinance Loan, or IRRRL
5.73%
▼
APR5.73%
Last UpdatedApril 22, 2026
Details
No additional details available.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Interim Construction Loan
5.75%
▼
APR5.75%
Last UpdatedApril 22, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Unimproved Property Loan
5.75%
▼
APR5.75%
Last UpdatedApril 22, 2026
Details
As Low As
APR5.75%
Last UpdatedApril 22, 2026
Details
No additional details available.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
PERSONAL LOAN
5.79%
▼
APR5.79%
Last UpdatedApril 22, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA purchase loan
5.93%
▼
APR5.93%
Last UpdatedApril 22, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5 Year Equity Loan-to-Value up to 80%
5.94%
▼
APR5.94%
Last UpdatedApril 22, 2026
Details
As Low As
APR5.99%
Last UpdatedApril 22, 2026
Details
As Low As; Up to 70% LTV
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
New Construction Loans
5.99%
▼
APR5.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR6.00%
Last UpdatedApril 22, 2026
Details
Months
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 1
6.00%
▼
APR6.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedApril 22, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA cash-out refinance loan
6.08%
▼
APR6.08%
Last UpdatedApril 22, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
10 Year Equity Loan-to-Value up to 80%
6.14%
▼
APR6.14%
Last UpdatedApril 22, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
6.24%
▼
APR6.24%
Last UpdatedApril 22, 2026
Details
As Low As
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5 Year Equity Loan-to-Value greater than 80% to 90%
6.44%
▼
APR6.44%
Last UpdatedApril 22, 2026
Details
As Low As
APR6.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Recreational Equipment Loans
6.50%
▼
APR6.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
Low down payment purchase loan
6.57%
▼
APR6.57%
Last UpdatedApril 22, 2026
Details
No additional details available.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
6.59%
▼
APR6.59%
Last UpdatedApril 22, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
Adventure Loans
6.59%
▼
APR6.59%
Last UpdatedApril 22, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedApril 22, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
10 Year Equity Loan-to-Value greater than 80% to 90%
6.64%
▼
APR6.64%
Last UpdatedApril 22, 2026
Details
As Low As
APR6.65%
Last UpdatedApril 22, 2026
Details
As Low As; Regular APR: 10.090%
APR6.70%
Last UpdatedApril 22, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
Personal Loans
6.70%
▼
APR6.70%
Last UpdatedApril 22, 2026
Details
24 months
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Instant Cash Loans
6.75%
▼
APR6.75%
Last UpdatedApril 22, 2026
Details
No additional details available.
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Unsecured Loans
6.75%
▼
APR6.75%
Last UpdatedApril 22, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Back on Track Loans
6.75%
▼
APR6.75%
Last UpdatedApril 22, 2026
Details
No additional details available.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Anything Loan
6.75%
▼
APR6.75%
Last UpdatedApril 22, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
APR6.79%
Last UpdatedApril 22, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 22, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedApril 22, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Signature Loans
6.92%
▼
APR6.92%
Last UpdatedApril 22, 2026
Details
No additional details available.
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
Personal/Longevity
6.95%
▼
APR6.95%
Last UpdatedApril 22, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 22, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 22, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 22, 2026
Details
As Low As; 71% to 80% LTV
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Annual Loan
7.00%
▼
APR7.00%
Last UpdatedApril 22, 2026
Details
As Low As
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 22, 2026
Details
5.00% A+ rating
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedApril 22, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
7.09%
▼
APR7.09%
Last UpdatedApril 22, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedApril 22, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedApril 22, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedApril 22, 2026
Details
As Low As
APR7.25%
Last UpdatedApril 22, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 22, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal /Signature Loan - from to $75,000
7.25%
▼
APR7.25%
Last UpdatedApril 22, 2026
Details
$1,001; As Low As
Allied Plastics Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedApril 22, 2026
Details
As Low As
Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
New Teacher Loan Unsecured
7.25%
▼
APR7.25%
Last UpdatedApril 22, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
Land Loans
7.25%
▼
APR7.25%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR7.29%
Last UpdatedApril 22, 2026
Details
No additional details available.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Anything Loan
7.35%
▼
APR7.35%
Last UpdatedApril 22, 2026
Details
As Low As
APR7.39%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR7.49%
Last UpdatedApril 22, 2026
Details
As Low As; 81% to 90% LTV
APR7.49%
Last UpdatedApril 22, 2026
Details
As Low As
APR7.49%
Last UpdatedApril 22, 2026
Details
No additional details available.
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Personal Property NEW
7.50%
▼
APR7.50%
Last UpdatedApril 22, 2026
Details
UP TO 48 MONTHS
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
7.50%
▼
APR7.50%
Last UpdatedApril 22, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Special Occasion Loans
7.50%
▼
APR7.50%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR7.50%
Last UpdatedApril 22, 2026
Details
As Low As
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Collateral Loans New or Used (Non Purchase)
7.51%
▼
APR7.51%
Last UpdatedApril 22, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
7.59%
▼
APR7.59%
Last UpdatedApril 22, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedApril 22, 2026
Details
As Low As
APR7.71%
Last UpdatedApril 22, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 22, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
7.75%
▼
APR7.75%
Last UpdatedApril 22, 2026
Details
As Low As
APR7.75%
Last UpdatedApril 22, 2026
Details
As Low As
APR7.79%
Last UpdatedApril 22, 2026
Details
No additional details available.
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
7.80%
▼
APR7.80%
Last UpdatedApril 22, 2026
Details
10% Down
APR7.82%
Last UpdatedApril 22, 2026
Details
As Low As
APR7.84%
Last UpdatedApril 22, 2026
Details
As Low As
Cooperative Teachers Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.07%
Unsecured Personal Loan
7.89%
▼
APR7.89%
Last UpdatedApril 22, 2026
Details
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
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
10% Down
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
As Low As
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Signature
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
up to 60 months
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans 12 months
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 22, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Any Time, Any Day Loan
7.95%
▼
APR7.95%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR7.95%
Last UpdatedApril 22, 2026
Details
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.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Anytime Any Day Loans
7.95%
▼
APR7.95%
Last UpdatedApril 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Personal/Unsecured
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
(Fixed)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Unsecured Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As; Select "Debt Consolidation" on your application.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 22, 2026
Details
Rate, amount and length of payout set according to credit rating). May be renewed every 6 months if there have been no delinquencies on BFCU loans
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
Flex Line Loan (12 - 60 Mo.)
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
Up to 6 months
APR8.00%
Last UpdatedApril 22, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
up to $15,000
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
up to $5,000; As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.05%
▼
APR8.05%
Last UpdatedApril 22, 2026
Details
5% Down
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
8.09%
▼
APR8.09%
Last UpdatedApril 22, 2026
Details
As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.15%
▼
APR8.15%
Last UpdatedApril 22, 2026
Details
5% Down
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 22, 2026
Details
As Low As
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 12 Months
8.24%
▼
APR8.24%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR8.24%
Last UpdatedApril 22, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
8.24%
▼
APR8.24%
Last UpdatedApril 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedApril 22, 2026
Details
up to $15,000
APR8.25%
Last UpdatedApril 22, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Premier Loan - from to $250,000
8.25%
▼
APR8.25%
Last UpdatedApril 22, 2026
Details
$75,001; As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.30%
▼
APR8.30%
Last UpdatedApril 22, 2026
Details
0% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.35%
▼
APR8.35%
Last UpdatedApril 22, 2026
Details
10% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.40%
▼
APR8.40%
Last UpdatedApril 22, 2026
Details
0% Down
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedApril 22, 2026
Details
As Low As
APR8.45%
Last UpdatedApril 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 22, 2026
Details
As Low As
APR8.49%
Last UpdatedApril 22, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 22, 2026
Details
Credit Grade: A
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1204 Thorpe Ln, San Marcos, TX, 78666 6538
A+ Personal Loan
9.49%
▼
APR9.49%
Last UpdatedApril 22, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
242 N GUADALUPE ST, SAN MARCOS, TX, 78666
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedApril 22, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
PERSONAL LOAN
5.79%
▼
APR5.79%
Last UpdatedApril 22, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedApril 22, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
Personal Loans
6.70%
▼
APR6.70%
Last UpdatedApril 22, 2026
Details
24 months
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 22, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 22, 2026
Details
As Low As
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 22, 2026
Details
5.00% A+ rating
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedApril 22, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedApril 22, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 22, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedApril 22, 2026
Details
As Low As
APR7.71%
Last UpdatedApril 22, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 22, 2026
Details
As Low As
APR7.84%
Last UpdatedApril 22, 2026
Details
As Low As
Cooperative Teachers Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.07%
Unsecured Personal Loan
7.89%
▼
APR7.89%
Last UpdatedApril 22, 2026
Details
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
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 22, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
up to $15,000
APR8.24%
Last UpdatedApril 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 22, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedApril 22, 2026
Details
up to $15,000
APR8.45%
Last UpdatedApril 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 22, 2026
Details
As Low As
APR8.49%
Last UpdatedApril 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As; Select "Debt Consolidation" on your application.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
8.99%
▼
APR8.99%
Last UpdatedApril 22, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Debt Consolidation Loans
8.99%
▼
APR8.99%
Last UpdatedApril 22, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Debt Consolidation Loans
9.75%
▼
APR9.75%
Last UpdatedApril 22, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
9.99%
▼
APR9.99%
Last UpdatedApril 22, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Debt Consolidation Loans
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
10.99%
▼
APR10.99%
Last UpdatedApril 22, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Debt Consolidation Loans
11.00%
▼
APR11.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Debt Consolidation
12.74%
▼
APR12.74%
Last UpdatedApril 22, 2026
Details
No additional details available.
Covenant Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Debt Consolidation Loans
12.90%
▼
APR12.90%
Last UpdatedApril 22, 2026
Details
As Low As
Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Debt Consolidation
13.99%
▼
APR13.99%
Last UpdatedApril 22, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX, 78666 7530
Signature
9.70%
▼
APR9.70%
Last UpdatedApril 22, 2026
Details
As Low As
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX, 78666
Signature
9.90%
▼
APR9.90%
Last UpdatedApril 22, 2026
Details
As Low As; Up to 60 Months
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX, 78666 7530
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX, 78666 7530
Signature
10.15%
▼
APR10.15%
Last UpdatedApril 22, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX, 78666 7530
Signature
11.15%
▼
APR11.15%
Last UpdatedApril 22, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX, 78666 7530
Signature
12.15%
▼
APR12.15%
Last UpdatedApril 22, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Signature Loan
12.90%
▼
APR12.90%
Last UpdatedApril 22, 2026
Details
Excellent
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Signature Loan
14.90%
▼
APR14.90%
Last UpdatedApril 22, 2026
Details
Good
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Signature Loan
16.90%
▼
APR16.90%
Last UpdatedApril 22, 2026
Details
Average
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX, 78666 5713
Signature Loan
17.90%
▼
APR17.90%
Last UpdatedApril 22, 2026
Details
Fair
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedApril 22, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
APR6.00%
Last UpdatedApril 22, 2026
Details
Months
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR6.79%
Last UpdatedApril 22, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedApril 22, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Signature Loans
6.92%
▼
APR6.92%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedApril 22, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedApril 22, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal /Signature Loan - from to $75,000
7.25%
▼
APR7.25%
Last UpdatedApril 22, 2026
Details
$1,001; As Low As
APR7.29%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR7.39%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR7.49%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR7.79%
Last UpdatedApril 22, 2026
Details
No additional details available.
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Signature
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
up to 60 months
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans 12 months
7.90%
▼
APR7.90%
Last UpdatedApril 22, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Unsecured Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR7.99%
Last UpdatedApril 22, 2026
Details
As Low As
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
up to $5,000; As Low As
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
As Low As
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
Up to 6 months
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
8.24%
▼
APR8.24%
Last UpdatedApril 22, 2026
Details
As Low As
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 12 Months
8.24%
▼
APR8.24%
Last UpdatedApril 22, 2026
Details
No additional details available.
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedApril 22, 2026
Details
As Low As
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MonitorBankRates
No home improvement personal loan rates found in San Marcos, TX currently.
San Marcos, TX Personal Loan Rate Trends
Compare local San Marcos, 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.
Personal Loan — TX Avg
10.782%
▲ 0.150 vs 7 days ago
Texas personal loan rates rose 0.150 points over the past 7 days to 10.782% APR.
Signature Loan — TX Avg
12.551%
▲ 0.321 vs 7 days ago
Texas signature loan rates rose 0.321 points over the past 7 days to 12.551% APR.
As of Apr 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Texas?
Most lenders in San Marcos, Texas require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Texas often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in San Marcos, Texas require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Texas?
Yes. Debt consolidation is one of the most common uses of personal loans in San Marcos, Texas. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in San Marcos, Texas?
Credit unions in San Marcos, Texas often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in San Marcos, Texas?
- University Federal Credit Union: 8.25% (Equipment Loans 12 to 36 Months)
- A+ Federal Credit Union: 9.49% (A+ Personal Loan)
- Randolph Brooks FCU: 9.70% (Signature)
- Austin Telco Federal Credit Union: 9.90% (Signature)
- GREATER TEXAS: 10.99% (Emergency Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in San Marcos, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.
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