Best Personal Loan Rates in Texas (TX) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Texas include: Houston Highway Credit UnionHouston Highway Credit Union8120 Washington Ave, Houston, TX, 77007A+5.0 ★Texas Ratio: 1.00% offering Credit Builder Step-Up Loan Process STEP 5 at 4.00% APR, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union5953 Fairmont Pkwy, Pasadena, TX, 77505A+5.0 ★Texas Ratio: 3.85% offering Title Loan at 4.49% APR, Baxter Credit UnionBaxter Credit Union7034 Alamo Downs Pkwy, San Antonio, TX, 78238A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Victoria City County Employees Federal Credit UnionVictoria City County Employees Federal Credit Union205 N Bridge St Ste 111, Victoria, TX, 77901A+5.0 ★Texas Ratio: 0.81% offering Recreational/Title Loans at 4.67% APR, and Amoco Federal Credit UnionAmoco Federal Credit Union2300 Texas Ave, Texas City, TX, 77590A5.0 ★Texas Ratio: 6.48% offering Unsecured Loan at 4.90% APR. Personal loan rates as of April 25, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Texas side-by-side. Texas personal loan rates currently start as low as 4.00% APR from Houston Highway Credit Union at 8120 Washington Ave, Houston, TX, 77007. 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 Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in 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 25, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Credit Builder Step-Up Loan Process STEP 5
4.00%
▼
APR4.00%
Last UpdatedApril 26, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.49%
▼
APR4.49%
Last UpdatedApril 26, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Credit Builder Step-Up Loan Process STEP 4
4.50%
▼
APR4.50%
Last UpdatedApril 26, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedApril 26, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedApril 26, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
Recreational/Title Loans
4.67%
▼
APR4.67%
Last UpdatedApril 26, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.74%
▼
APR4.74%
Last UpdatedApril 26, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 26, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2300 Texas Ave, Texas City, TX, 77590
Unsecured Loan
4.90%
▼
APR4.90%
Last UpdatedApril 26, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.99%
▼
APR4.99%
Last UpdatedApril 26, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
Fire Station Loan
4.99%
▼
APR4.99%
Last UpdatedApril 26, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Credit Builder Step-Up Loan Process STEP 3
5.00%
▼
APR5.00%
Last UpdatedApril 26, 2026
Details
No additional details available.
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
114 E huntland dr, austin, TX, 78752
Used & Refinanced Loans
5.24%
▼
APR5.24%
Last UpdatedApril 26, 2026
Details
As Low As; Subject to credit approval
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Land Loans
5.25%
▼
APR5.25%
Last UpdatedApril 26, 2026
Details
No additional details available.
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Other Collateral Loans
5.25%
▼
APR5.25%
Last UpdatedApril 26, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
5.49%
▼
APR5.49%
Last UpdatedApril 26, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Credit Builder Step-Up Loan Process STEP 2
5.50%
▼
APR5.50%
Last UpdatedApril 26, 2026
Details
No additional details available.
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Other Collateral Loans
5.50%
▼
APR5.50%
Last UpdatedApril 26, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA Interest Rate Reduction Refinance Loan, or IRRRL
5.73%
▼
APR5.73%
Last UpdatedApril 26, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Land Loans
5.75%
▼
APR5.75%
Last UpdatedApril 26, 2026
Details
No additional details available.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX, 75703 0551
PERSONAL LOAN
5.79%
▼
APR5.79%
Last UpdatedApril 26, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA purchase loan
5.93%
▼
APR5.93%
Last UpdatedApril 26, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
5 Year Equity Loan-to-Value up to 80%
5.94%
▼
APR5.94%
Last UpdatedApril 26, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
5.99%
▼
APR5.99%
Last UpdatedApril 26, 2026
Details
As Low As; Up to 70% LTV
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
111 N 2nd St, Alpine, TX, 79830
New Construction Loans
5.99%
▼
APR5.99%
Last UpdatedApril 26, 2026
Details
No additional details available.
Service 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
Signature
6.00%
▼
APR6.00%
Last UpdatedApril 26, 2026
Details
Months
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Credit Builder Step-Up Loan Process STEP 1
6.00%
▼
APR6.00%
Last UpdatedApril 26, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedApril 26, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA cash-out refinance loan
6.08%
▼
APR6.08%
Last UpdatedApril 26, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
10 Year Equity Loan-to-Value up to 80%
6.14%
▼
APR6.14%
Last UpdatedApril 26, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
6.24%
▼
APR6.24%
Last UpdatedApril 26, 2026
Details
As Low As
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
5 Year Equity Loan-to-Value greater than 80% to 90%
6.44%
▼
APR6.44%
Last UpdatedApril 26, 2026
Details
As Low As
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
3301 S Loop 256, Palestine, TX, 75801
Recreational Equipment Loans
6.50%
▼
APR6.50%
Last UpdatedApril 26, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Construction Loans
6.50%
▼
APR6.50%
Last UpdatedApril 26, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
Low down payment purchase loan
6.57%
▼
APR6.57%
Last UpdatedApril 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedApril 26, 2026
Details
No additional details available.
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
1200 Belleview St, Dallas, TX, 75215 1837
Adventure Loans
6.59%
▼
APR6.59%
Last UpdatedApril 26, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
6.59%
▼
APR6.59%
Last UpdatedApril 26, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
Personal Loans
6.60%
▼
APR6.60%
Last UpdatedApril 26, 2026
Details
CCTFCU offers a variety of consumer financing and personal loans to help with everything from medical bills to Christmas presents.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
10 Year Equity Loan-to-Value greater than 80% to 90%
6.64%
▼
APR6.64%
Last UpdatedApril 26, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
Equipment Loan
6.65%
▼
APR6.65%
Last UpdatedApril 26, 2026
Details
As Low As; Regular APR: 10.090%
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Equipment Loans
6.70%
▼
APR6.70%
Last UpdatedApril 26, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
701 Harvey Rd, College Station, TX, 77840
Back on Track Loans
6.75%
▼
APR6.75%
Last UpdatedApril 26, 2026
Details
No additional details available.
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3700 Avenue F, Bay City, TX, 77414
Unsecured Loans
6.75%
▼
APR6.75%
Last UpdatedApril 26, 2026
Details
As Low As
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX, 75605 7916
Instant Cash Loans
6.75%
▼
APR6.75%
Last UpdatedApril 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.79%
▼
APR6.79%
Last UpdatedApril 26, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedApril 26, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
Signature Loans
6.92%
▼
APR6.92%
Last UpdatedApril 26, 2026
Details
No additional details available.
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1618 Main St, Dallas, TX, 75201 4720
Personal/Longevity
6.95%
▼
APR6.95%
Last UpdatedApril 26, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
6.99%
▼
APR6.99%
Last UpdatedApril 26, 2026
Details
As Low As; 71% to 80% LTV
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 26, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Land Loan
6.99%
▼
APR6.99%
Last UpdatedApril 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.99%
▼
APR6.99%
Last UpdatedApril 26, 2026
Details
No additional details available.
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX, 75050
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 26, 2026
Details
5.00% A+ rating
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
Annual Loan
7.00%
▼
APR7.00%
Last UpdatedApril 26, 2026
Details
As Low As; Apply For A Loan External Website
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedApril 26, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
7.09%
▼
APR7.09%
Last UpdatedApril 26, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedApril 26, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedApril 26, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedApril 26, 2026
Details
As Low As
Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX, 79106 5940
New Teacher Loan Unsecured
7.25%
▼
APR7.25%
Last UpdatedApril 26, 2026
Details
As Low As
Texas Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3131 HOLLY RD, CORPUS CHRISTI, TX, 78415
50/50 LOAN
7.25%
▼
APR7.25%
Last UpdatedApril 26, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 26, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Personal /Signature Loan - from to $75,000
7.25%
▼
APR7.25%
Last UpdatedApril 26, 2026
Details
$1,001; As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
Land Loans
7.25%
▼
APR7.25%
Last UpdatedApril 26, 2026
Details
No additional details available.
Allied Plastics Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5213 Lake Shore Dr, Waco, TX, 76710 1732
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedApril 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.29%
▼
APR7.29%
Last UpdatedApril 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.39%
▼
APR7.39%
Last UpdatedApril 26, 2026
Details
No additional details available.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
7.49%
▼
APR7.49%
Last UpdatedApril 26, 2026
Details
As Low As; 81% to 90% LTV
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Land Loan
7.49%
▼
APR7.49%
Last UpdatedApril 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.49%
▼
APR7.49%
Last UpdatedApril 26, 2026
Details
No additional details available.
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1001 BUTCHER RD, WAXAHACHIE, TX, 75165
Personal Property NEW
7.50%
▼
APR7.50%
Last UpdatedApril 26, 2026
Details
UP TO 48 MONTHS
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
Special Occasion Loans
7.50%
▼
APR7.50%
Last UpdatedApril 26, 2026
Details
No additional details available.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Pool Loans
7.50%
▼
APR7.50%
Last UpdatedApril 26, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Hot Tub/Sauna Loans
7.50%
▼
APR7.50%
Last UpdatedApril 26, 2026
Details
As Low As
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1505 N Midland Dr, Midland, TX, 79703
Collateral Loans New or Used (Non Purchase)
7.51%
▼
APR7.51%
Last UpdatedApril 26, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
7.59%
▼
APR7.59%
Last UpdatedApril 26, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedApril 26, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
Personal Loan
7.71%
▼
APR7.71%
Last UpdatedApril 26, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 26, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Hot Tub/Sauna Loans
7.75%
▼
APR7.75%
Last UpdatedApril 26, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Pool Loans
7.75%
▼
APR7.75%
Last UpdatedApril 26, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.79%
▼
APR7.79%
Last UpdatedApril 26, 2026
Details
No additional details available.
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
7.80%
▼
APR7.80%
Last UpdatedApril 26, 2026
Details
10% Down
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
5725 Spohn Dr, Corpus Christi, TX, 78414 4117
Land - Lot Loan
7.82%
▼
APR7.82%
Last UpdatedApril 26, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
Personal Loans
7.84%
▼
APR7.84%
Last UpdatedApril 26, 2026
Details
As Low As
Cooperative Teachers Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.07%
1424 W Southwest Loop 323, Tyler, TX, 75701 9347
Unsecured Personal Loan
7.89%
▼
APR7.89%
Last UpdatedApril 26, 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
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX, 77030 1500
Signature
7.90%
▼
APR7.90%
Last UpdatedApril 26, 2026
Details
up to 60 months
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedApril 26, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
Signature Loans 12 months
7.90%
▼
APR7.90%
Last UpdatedApril 26, 2026
Details
As Low As
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX, 77030 1500
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedApril 26, 2026
Details
As Low As
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 26, 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%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
7.90%
▼
APR7.90%
Last UpdatedApril 26, 2026
Details
10% Down
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 26, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
Any Time, Any Day Loan
7.95%
▼
APR7.95%
Last UpdatedApril 26, 2026
Details
7.95% - 11.45% APR
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
Anytime Any Day Loans
7.95%
▼
APR7.95%
Last UpdatedApril 26, 2026
Details
Low interest rates start at 7.95% APR*; No collateral needed; Easy online application; Allowed two Skip-A-Pays per calendar year
Mesquite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
Vacation Loan
7.95%
▼
APR7.95%
Last UpdatedApril 26, 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.
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX, 76028
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Unsecured Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Unsecured Personal
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As; Other terms available.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Personal/Unsecured
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
(Fixed)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As; Select "Debt Consolidation" on your application.
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
4901 Old Jacksonville Hwy, Tyler, TX, 75703 3373
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
As Low As
BELTON
Institution Rating:
A-5.0 ★Texas Ratio: 15.16%
400 N Wall St, Belton, TX, 76513
Personal/Unsecured Loans
8.00%
▼
APR8.00%
Last UpdatedApril 26, 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%
1401 Holliday St, Wichita Falls, TX, 76301 7108
Flex Line Loan (12 - 60 Mo.)
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
No additional details available.
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1401 Holliday St, Wichita Falls, TX, 76301 7108
Flex Line Loan
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
No additional details available.
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
3301 S Loop 256, Palestine, TX, 75801
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
No additional details available.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Pool Loans
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
4901 Old Jacksonville Hwy, Tyler, TX, 75703 3373
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Hot Tub/Sauna Loans
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
As Low As
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7215 Culebra Rd, San Antonio, TX, 78251 1305
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
up to $5,000; As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
up to $15,000
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
Up to 6 months
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.05%
▼
APR8.05%
Last UpdatedApril 26, 2026
Details
5% Down
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
8.09%
▼
APR8.09%
Last UpdatedApril 26, 2026
Details
As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.15%
▼
APR8.15%
Last UpdatedApril 26, 2026
Details
5% Down
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6701 Burlington Blvd, Fort Worth, TX, 76131
Signature & Lifestyle Loans Up to 12 Months
8.24%
▼
APR8.24%
Last UpdatedApril 26, 2026
Details
No additional details available.
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX, 77338 4090
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 26, 2026
Details
APR as low as
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured / Signature Personal
8.24%
▼
APR8.24%
Last UpdatedApril 26, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 26, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedApril 26, 2026
Details
up to $15,000
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Pool Loans
8.25%
▼
APR8.25%
Last UpdatedApril 26, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Premier Loan - from to $250,000
8.25%
▼
APR8.25%
Last UpdatedApril 26, 2026
Details
$75,001; As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.30%
▼
APR8.30%
Last UpdatedApril 26, 2026
Details
0% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.35%
▼
APR8.35%
Last UpdatedApril 26, 2026
Details
10% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.40%
▼
APR8.40%
Last UpdatedApril 26, 2026
Details
0% Down
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedApril 26, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
Personal Loan
8.45%
▼
APR8.45%
Last UpdatedApril 26, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 26, 2026
Details
As Low As
City Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 26, 2026
Details
As Low As
Tex Mex Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
1420 Cedar Ave, Laredo, TX, 78040 7956
Unsecured Loan
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
Credit Grade: A
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Pool Loans
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Miscellaneous Equipment Loan
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2300 Texas Ave, Texas City, TX, 77590
12 Months 1 Payment Loan
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
No additional details available.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
up to $15,000
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.55%
▼
APR8.55%
Last UpdatedApril 26, 2026
Details
0% Down
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
8.59%
▼
APR8.59%
Last UpdatedApril 26, 2026
Details
As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.60%
▼
APR8.60%
Last UpdatedApril 26, 2026
Details
5% Down
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedApril 26, 2026
Details
No additional details available.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedApril 26, 2026
Details
No additional details available.
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2105 W Grande Blvd, Tyler, TX, 75703 0551
PERSONAL LOAN
5.79%
▼
APR5.79%
Last UpdatedApril 26, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedApril 26, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
Personal Loans
6.60%
▼
APR6.60%
Last UpdatedApril 26, 2026
Details
CCTFCU offers a variety of consumer financing and personal loans to help with everything from medical bills to Christmas presents.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 26, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 26, 2026
Details
As Low As
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX, 75050
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 26, 2026
Details
5.00% A+ rating
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedApril 26, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedApril 26, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 26, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedApril 26, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
Personal Loan
7.71%
▼
APR7.71%
Last UpdatedApril 26, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 26, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
Personal Loans
7.84%
▼
APR7.84%
Last UpdatedApril 26, 2026
Details
As Low As
Cooperative Teachers Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.07%
1424 W Southwest Loop 323, Tyler, TX, 75701 9347
Unsecured Personal Loan
7.89%
▼
APR7.89%
Last UpdatedApril 26, 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%
12930 Northwest Fwy, Houston, TX, 77040 6304
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 26, 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%
6414 FANNIN ST STE G50, HOUSTON, TX, 77030 1500
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedApril 26, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 26, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
up to $15,000
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
4901 Old Jacksonville Hwy, Tyler, TX, 75703 3373
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
4901 Old Jacksonville Hwy, Tyler, TX, 75703 3373
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX, 77338 4090
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 26, 2026
Details
APR as low as
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedApril 26, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Personal Loan **
8.25%
▼
APR8.25%
Last UpdatedApril 26, 2026
Details
up to $15,000
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
Personal Loan
8.45%
▼
APR8.45%
Last UpdatedApril 26, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 26, 2026
Details
As Low As
City Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 26, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Personal Loan **
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
up to $15,000
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedApril 26, 2026
Details
No additional details available.
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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%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As; Select "Debt Consolidation" on your application.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Unsecured Personal
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Debt Consolidation Loans
8.99%
▼
APR8.99%
Last UpdatedApril 26, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Unsecured Personal
8.99%
▼
APR8.99%
Last UpdatedApril 26, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Debt Consolidation Loans
9.75%
▼
APR9.75%
Last UpdatedApril 26, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Unsecured Personal
9.99%
▼
APR9.99%
Last UpdatedApril 26, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Debt Consolidation Loans
10.00%
▼
APR10.00%
Last UpdatedApril 26, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Unsecured Personal
10.99%
▼
APR10.99%
Last UpdatedApril 26, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Debt Consolidation Loans
11.00%
▼
APR11.00%
Last UpdatedApril 26, 2026
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3200 S Dairy Ashford Rd, Houston, TX, 77082 2319
Debt Consolidation
12.74%
▼
APR12.74%
Last UpdatedApril 26, 2026
Details
No additional details available.
Covenant Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
2904 E Stan Schlueter loop Bldg A, Killeen, TX, 76542 4813
Debt Consolidation Loans
12.90%
▼
APR12.90%
Last UpdatedApril 26, 2026
Details
As Low As
Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX, 79109
Debt Consolidation
13.99%
▼
APR13.99%
Last UpdatedApril 26, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 26, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Service 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
Signature
6.00%
▼
APR6.00%
Last UpdatedApril 26, 2026
Details
Months
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedApril 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.79%
▼
APR6.79%
Last UpdatedApril 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedApril 26, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
Signature Loans
6.92%
▼
APR6.92%
Last UpdatedApril 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.99%
▼
APR6.99%
Last UpdatedApril 26, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedApril 26, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedApril 26, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Personal /Signature Loan - from to $75,000
7.25%
▼
APR7.25%
Last UpdatedApril 26, 2026
Details
$1,001; As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.29%
▼
APR7.29%
Last UpdatedApril 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.39%
▼
APR7.39%
Last UpdatedApril 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.49%
▼
APR7.49%
Last UpdatedApril 26, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.79%
▼
APR7.79%
Last UpdatedApril 26, 2026
Details
No additional details available.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
Signature Loans 12 months
7.90%
▼
APR7.90%
Last UpdatedApril 26, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedApril 26, 2026
Details
As Low As
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX, 77030 1500
Signature
7.90%
▼
APR7.90%
Last UpdatedApril 26, 2026
Details
up to 60 months
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Unsecured Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
No additional details available.
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1024 SW Alsbury Blvd, Burleson, TX, 76028
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedApril 26, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
up to $5,000; As Low As
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
7215 Culebra Rd, San Antonio, TX, 78251 1305
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
As Low As
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2809 John Ben Shepperd Pkwy, Odessa, TX, 79762 8125
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
Up to 6 months
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
3301 S Loop 256, Palestine, TX, 75801
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 26, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured / Signature Personal
8.24%
▼
APR8.24%
Last UpdatedApril 26, 2026
Details
As Low As
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6701 Burlington Blvd, Fort Worth, TX, 76131
Signature & Lifestyle Loans Up to 12 Months
8.24%
▼
APR8.24%
Last UpdatedApril 26, 2026
Details
No additional details available.
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Signature Loans
8.40%
▼
APR8.40%
Last UpdatedApril 26, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
No additional details available.
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Signature Loan
8.50%
▼
APR8.50%
Last UpdatedApril 26, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedApril 26, 2026
Details
No additional details available.
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MonitorBankRates
No home improvement personal loan rates found in Texas currently.
Texas Personal Loan Rate Trends
Compare local Texas 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
10.599%
▼ 0.174 vs 7 days ago
Texas personal loan rates fell 0.174 points over the past 7 days to 10.599% APR.
Signature Loan — TX Avg
11.819%
▼ 0.610 vs 7 days ago
Texas signature loan rates fell 0.610 points over the past 7 days to 11.819% APR.
As of Apr 26, 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 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 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 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 Texas?
Credit unions in 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 Texas?
- Houston Highway Credit Union: 4.00% (Credit Builder Step-Up Loan Process STEP 5)
- 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: 4.67% (Recreational/Title Loans)
- Amoco Federal Credit Union: 4.90% (Unsecured Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 25, 2026.
