Best Personal Loan Rates in Spring, Texas (TX) - May 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 Spring, Texas include: 5Point Credit Union5Point Credit Union1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895A5.0 ★Texas Ratio: 5.94% offering Land Loans at 5.25% APR, Resource One Credit UnionResource One Credit Union8720 Spring Cypress Rd, Spring, TX, 77379B+4.7 ★Texas Ratio: 15.58% offering Adventure Loans at 6.59% APR, InvesTex Credit UnionInvesTex Credit Union230 Cypresswood Dr Ste H, Spring, TX, 77388A+5.0 ★Texas Ratio: 3.50% offering Special Signature Rate at 6.59% APR, First Service Credit UnionFirst Service Credit Union8640 Spring Cypress Rd, Spring, TX, 77379 3133A+5.0 ★Texas Ratio: 4.69% offering Seasonal Loan at 9.99% APR, and Smart Financial Credit UnionSmart Financial Credit Union7206 N Grand Pkwy W, Spring, TX, 77379 1684A5.0 ★Texas Ratio: 9.36% offering Personal Loans at 10.24% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Spring has 7 local institutions in our database, with personal loan rates as low as 5.25% APR from 5Point Credit Union at 1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895. 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 Spring, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Spring, 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
Spring Personal Loan Rates
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0.00 APR that includes an application fee
Debt Consolidation
0.00 APR that includes an application fee
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As Low As; Must be 18 years or older, individual borrowers or primary account holders only, and must be a Member of Resource One Credit Union for a minimum of 12 months to apply. Commercial accounts are not eligible. Loan application and approval required. A fee of $20 will be charged for each loan application, whether the loan is approved or declined. Loan cannot exceed $2,000 with a term not exceeding 12 months. An APR of 25.00% will be applied. Applications can only be filed once every 7 days. Loans are processed one at a time, with a maximum of 3 loans in a rolling 6-month period. The Quick Cash Loan is not eligible for the Skip-a-Payment program. Payment example: Estimated monthly payment of $95.04 per $1,000 borrowed at 25.00% APR for 12 months. Other restrictions may apply; see Credit Union for details. All loans are subject to approval. Rates as of May 20, 2026. Rates are subject to change without notice.
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Intro rate expires: 9 months
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As Low As; Call the credit union for loan promotion rates
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As Low As; Borrow up to $2,000 for up to 24 months.
As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
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As Low As; Restrictions Apply
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As Low As; - Up to $150,000
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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
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Tier 1 >700
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Tier 1 >700
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Lowest rates shown include the auto debit discount.
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Tier 1 >700
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Lowest rates shown include the auto debit discount.
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Lowest rates shown include the auto debit discount.
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24 months
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As Low As; Regular APR: 10.090%
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As Low As; Unimproved (Raw) Land; As low as 15% down**
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As Low As; Loyalty Plus & Online Application Discount
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As Low As; 71% to 80% LTV
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Tier 2 670 - 699
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Tier 2 670 - 699
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Spring Personal Loan Rates
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Spring Debt Consolidation Loan Rates
Debt Consolidation
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Spring Signature Loan Rates
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Spring, TX Personal Loan Rate Trends
Compare local Spring, 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 0.093 points over the past 7 days to 10.889% APR.
Texas signature loan rates rose 0.060 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 Spring, 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 Spring, 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 Spring, 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 Spring, Texas?
What are the best personal loan rates in Spring, Texas?
- 5Point Credit Union: 5.25% (Land Loans)
- Resource One Credit Union: 6.59% (Adventure Loans)
- InvesTex Credit Union: 6.59% (Special Signature Rate)
- First Service Credit Union: 9.99% (Seasonal Loan)
- Smart Financial Credit Union: 10.24% (Personal Loans)
Personal Loan Calculators
