Texas Personal Loan Rate Trends
Track current and weekly average personal loan rates in Texas, view interactive rate trend charts, and compare local TX aprs against the national average.
Current Texas Personal Loan Rate Trends
Personal Loan rates in Texas fell 0.156 this week to 10.757%, down from 10.914% last week.
At 10.757%, Texas’s average sits 0.301 below the current national average of 11.059%. TX borrowers may have a competitive advantage relative to the national market.
The Texas personal loan rate averages on this page are calculated from 829 verified personal loan rate quotes collected across 255 banks and credit unions actively operating in Texas. Our proprietary systems collect and verify rates daily — tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
Texas Personal Loan Rate Trends Chart
Daily average rates since March 15, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
Texas personal loan rate averages compiled from 829 current rate quotes across 255 banks and credit unions operating in TX — updated daily.
As of Sep 22, 2026 • Data provided by MonitorBankRates.com
Historical Personal Loan Rate Trends in Texas
Quarterly average personal loan rates at credit unions headquartered in Texas, 1994–present. Different methodology from the daily chart above — this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in Texas (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994–present.
Quarterly weighted averages calculated from credit union rate filings, weighted by personal loan portfolio balance.
