Best Personal Loan Rates in Spring, Texas - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Spring, Texas include: InvesTex Credit UnionInvesTex Credit Union230 Cypresswood Dr Ste H, Spring, TX, 77388A+5.0 ★Texas Ratio: 3.50% offering New and Used Loan at 3.99% APR, 5Point Credit Union5Point Credit Union1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895A5.0 ★Texas Ratio: 5.94% offering 48 Months Loan at 4.00% APR, First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX2121 FM 2920 Rd, Spring, TX, 77388A+5.0 ★Texas Ratio: 5.29% offering VA Loan at 6.30% 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, and Smart Financial Credit UnionSmart Financial Credit Union7206 N Grand Pkwy W, Spring, TX, 77379 1684A5.0 ★Texas Ratio: 9.36% offering Personal Loan at 9.74% APR. Personal loan rates as of July 27, 2026 according to verified data from MonitorBankRates.
Spring has 6 local institutions in our database, with personal loan rates as low as 3.99% APR from InvesTex Credit Union at 230 Cypresswood Dr Ste H, Spring, TX, 77388. 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: July 27, 2026
Spring Personal Loan Rates
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Monthly Payment per $10,000 Borrowed as low as $189.87
Monthly Payment per $10,000 Borrowed as low as $109.78
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interest only with remaining accrued interest and principal due at maturity
As Low As
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As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
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As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
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Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
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Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
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Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
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0.00 APR that includes an application fee
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Rates are variable and subject to change. Double asterisk indicates rate may vary based on creditworthiness and loan term.
0.00 APR that includes an application fee
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As Low As; An APR of 25.00% will be applied. Loan cannot exceed $2,000 with a term not exceeding 12 months. A fee of $20 will be charged for each loan application, whether the loan is approved or declined.
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Intro Rate. Paycheck Perks makes it easy for you to save big, with a highly competitive savings rate.
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Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
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Fixed
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Starting At
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
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As Low As; Limited-time offer.
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As Low As; Model Year New - 2025
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
As Low As; Model Year New - 2025
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As Low As; Call the credit union for loan promotion rates
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As Low As; Model Year New - 2025
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As Low As
Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
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Vehicle Rates; Tier Level: A+; Equifax Score: 750+
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Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
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As Low As; Model Year 2024 - 2021
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As Low As; Model Year New - 2025; Extended terms must meet credit & collateral qualifications.
As Low As; Model Year 2024 - 2021
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As Low As; Model Year 2020 - 2016
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
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APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
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Borrow up to $2,000
As Low As; Model Year 2020 - 2016
As Low As; Model Year 2024 - 2021
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APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
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Vehicle Rates; Tier Level: A; Equifax Score: 700-749
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Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Up to 60 months
As Low As; Model Year 2020 - 2016
As Low As; One-Time Close Construction
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
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LTV: Up to 70%
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Vehicle Rates; Tier Level: A; Equifax Score: 700-749
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Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
As Low As; Model Year 2024 - 2021; Extended terms must meet credit & collateral qualifications.
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As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months
+2.00% above Share Savings Dividend Rate*
Tier 1 >700
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up to $50,000.00
6.00% above TSC rate
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APR*
APR*
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
As Low As
As Low As
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72 Months**
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Tier 1 >700
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Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
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Vehicle Rates; Tier Level: A+; Equifax Score: 750+
As Low As
Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
As Low As; More rate info
As Low As; Model Year 2020 - 2016; Extended terms must meet credit & collateral qualifications.
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Up to 48 months
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Discount up to 1.50%*
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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
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Tier 1 >700
Variable rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
As Low As; Investment Property
As Low As; Investment Property
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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
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As low as 15% down**
Credit Tier: 740 or greater
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base rate
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Spring Personal Loan Rates
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
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Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
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Rates are variable and subject to change. Asterisk indicates rate may vary based on creditworthiness and loan term.
Rates are variable and subject to change. Double asterisk indicates rate may vary based on creditworthiness and loan term.
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As Low As
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As Low As; Loan Amount: $500 - $25,000
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Credit Tier: 740 or greater
Spring Debt Consolidation Loan Rates
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As Low As
Maximum APR: 18.00%
As Low As; *Effective 3/1/2023 Rates subject to change without notice.
Maximum APR: 18.00%
As low as**
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Spring Signature Loan Rates
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Borrow up to $2,000
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 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 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?
- InvesTex Credit Union: 3.99% (New and Used Loan)
- 5Point Credit Union: 4.00% (48 Months Loan)
- First Community Credit Union Houston, TX: 6.30% (VA Loan)
- Resource One Credit Union: 6.59% (Adventure Loans)
- Smart Financial Credit Union: 9.74% (Personal Loan)
Personal Loan Calculators
