Best Personal Loan Rates in Galveston, 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 Galveston, Texas include: Amoco Federal Credit UnionAmoco Federal Credit Union6216 Broadway St, Galveston, TX, 77551A5.0 ★Texas Ratio: 6.48% offering Credit Builder And Mender Loan at 4.90% APR, University Federal Credit UnionUniversity Federal Credit Union428 Post Office ST, Galveston, TX, 77550A5.0 ★Texas Ratio: 8.47% offering Working Capital Loan at 9.75% APR, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit UnionA+5.0 ★Texas Ratio: 3.85% offering Title Loan at 4.49% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and Victoria City County Employees Federal Credit UnionVictoria City County Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.81% offering Recreational/Title Loans at 4.58% APR. Personal loan rates as of May 15, 2026 according to verified data from MonitorBankRates.
Galveston has 2 local institutions in our database, with personal loan rates as low as 4.90% APR from Amoco Federal Credit Union at 6216 Broadway St, Galveston, TX, 77551. 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 Galveston, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Galveston, 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 15, 2026
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Minimum APR (has an AMOCO Mortgage Loan)
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Minimum APR (has an AMOCO Mortgage Loan)
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A loan documentation fee of $175 will be assessed at closing.
Minimum APR
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A loan documentation fee of $175 will be assessed at closing.
A loan documentation fee of $175 will be assessed at closing.
A loan documentation fee of $175 will be assessed at closing.
Minimum APR
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A loan documentation fee of $175 will be assessed at closing.
A loan documentation fee of $175 will be assessed at closing.
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Excellent
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Good
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Fair
Maximum APR
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A+ rating
As Low As; Call the credit union for loan promotion rates
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As Low As
As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
As Low As; Borrow up to $2,000 for up to 24 months.
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As Low As; Restrictions Apply
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As Low As; Up to 70%
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Months
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As Low As; Up to $10,000
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As Low As; Borrow up to $25,000
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As Low As; Regular APR: 10.090%
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As Low As; $10,001-$15,000
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As Low As; 71% to 80%
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As Low As; $15,001-$25,000
As Low As; 81% to 90%
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As Low As
UP TO 48 MONTHS
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As Low As; ends April 30; call for details
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As Low As
As Low As; 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.
As Low As; Up to $35,000
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As Low As; from $1,001 to $75,000
(Fixed)
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up to $15,000
up to $5,000; As Low As
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Up to 6 months
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
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As Low As
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up to $15,000
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As Low As; $25,001-$50,000
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As Low As; Loyalty Plus & Online Application Discount
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up to $15,000
As Low As; Maximum Loan Discount: 0.75%
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As Low As; from $75,001 to $250,000
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up to $15,000
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As Low As; Loan Amount $500-$40,000
Tier Level: A+ (Equifax Score 750+)
As Low As; Fixed rate for the life of the loan; Terms up to 48 months *Disclosing restrictions apply
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As Low As; Maximum Loan: up to $7,500.00 or approved limit.
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UP TO 48 MONTHS
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A+ rating
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As Low As; ends April 30; call for details
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As Low As; Up to $35,000
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up to $15,000
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up to $15,000
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up to $15,000
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up to $15,000
As Low As; Loan Amount $500-$40,000
As Low As; Maximum Loan: up to $7,500.00 or approved limit.
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As Low As; Up to 72 Months
Debt Consolidation
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Excellent
Good
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Fair
As Low As; Borrow up to $2,000 for up to 24 months.
Months
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As Low As; from $1,001 to $75,000
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up to $5,000; As Low As
Up to 6 months
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As Low As; Loyalty Plus & Online Application Discount
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As Low As; Fixed rate for the life of the loan; Terms up to 48 months *Disclosing restrictions apply
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Galveston, TX Personal Loan Rate Trends
Compare local Galveston, 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 0.037 points over the past 7 days to 10.784% APR.
Texas signature loan rates fell 0.237 points over the past 7 days to 12.436% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Galveston, 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 Galveston, 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 Galveston, 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 Galveston, Texas?
What are the best personal loan rates in Galveston, Texas?
- Amoco Federal Credit Union: 4.90% (Credit Builder And Mender Loan)
- University Federal Credit Union: 9.75% (Working Capital Loan)
- Gulf Coast Educators Federal Credit Union: 4.49% (Title Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Victoria City County Employees Federal Credit Union: 4.58% (Recreational/Title Loans)
Personal Loan Calculators
