Best Personal Loan Rates in San Marcos, Texas - June 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 San Marcos, Texas include: A+ Federal Credit UnionA+ Federal Credit Union1204 Thorpe Ln, San Marcos, TX, 78666 6538A-5.0 ★Texas Ratio: 12.83% offering A+ Personal Loan at 9.49% APR, Randolph Brooks FCURandolph Brooks FCU1210 Wonder World Dr, San Marcos, TX, 78666 7530A+5.0 ★Texas Ratio: 4.42% offering Personal Loans at 9.70% APR, University Federal Credit UnionUniversity Federal Credit Union614 N Guadalupe St, San Marcos, TX, 78666 5713A5.0 ★Texas Ratio: 7.63% offering Working Capital Loan at 9.75% APR, GREATER TEXASGREATER TEXAS242 N GUADALUPE ST, SAN MARCOS, TX, 78666A5.0 ★Texas Ratio: 6.70% offering Personal Loan at 12.99% APR, and Delta Community Credit UnionDelta Community Credit UnionA+5.0 ★Texas Ratio: 1.49% offering 61-72 months (greater than or equal to Loan at 4.19% APR. Personal loan rates as of June 9, 2026 according to verified data from MonitorBankRates.
San Marcos has 4 local institutions in our database, with personal loan rates as low as 9.49% APR from A+ Federal Credit Union at 1204 Thorpe Ln, San Marcos, TX, 78666 6538. 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 San Marcos, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in San Marcos, 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: June 9, 2026
San Marcos Personal Loan Rates
As low as; Estimated Payment Terms: $32.03 per $1,000 per month for 36 months
As Low As
Excellent credit tier
As Low As
As Low As
Excellent credit tier
Good credit tier
Good credit tier
As Low As
As Low As
Average credit tier
Average credit tier
As Low As
Good: 14.90%; Average: 16.90%; Fair: 17.90%; Marginal: 17.90%; Low / No score: 17.90%
As Low As; Unsecured Loan, Fixed Rate
Excellent: 12.90%; Average: 16.90%; Fair: 17.90%; Marginal: 17.90%; Low / No score: 17.90%
Excellent: 12.90%; Good: 14.90%; Fair: 17.90%; Marginal: 17.90%; Low / No score: 17.90%
Excellent: 12.90%; Good: 14.90%; Average: 16.90%; Marginal: 17.90%; Low / No score: 17.90%
$20,000
No additional details available.
No additional details available.
Maximum Loan Discount: 0.75%
No additional details available.
As Low As
No additional details available.
As Low As
$30,000
No additional details available.
No additional details available.
Maximum Loan Discount: 0.75%
No additional details available.
As Low As
No additional details available.
No additional details available.
Maximum Loan Discount: 0.75%
No additional details available.
As Low As; Call the credit union for loan promotion rates
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Maximum Loan Discount: 0.75%
No additional details available.
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.
As Low As; Restrictions Apply
No additional details available.
No additional details available.
As Low As; Up to $150,000
No additional details available.
As Low As
No additional details available.
As Low as
Maximum Loan Amount: $100,000.00
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
Tier 1 >700
APR*
APR*
Months
As Low As
As Low As
As Low As
No additional details available.
Maximum Loan Amount: $50,000.00
MAX
No additional details available.
Variable rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
MAX
As Low As
Maximum Loan Discount: 0.75%
72 Months**
As Low As
*** *
No additional details available.
Tier 1 >700
No additional details available.
MAX
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
MAX
$150,000; quoted with 20% down payment
Variable rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Variable rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
No additional details available.
No additional details available.
No additional details available.
As Low As
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Tier 1 >700
As Low As
*** *
As Low As
As Low As; Borrow up to $25,000
As Low As; Loan Amount: $500 - $25,000
No additional details available.
$100,000; quoted with 20% down payment
No additional details available.
No additional details available.
As Low As
As Low As
24 months
As Low As; Regular APR: 10.090%
As Low As; *Rates disclosed as Annual Percentage Rate [APR] and; Annual Percentage Yield [APY] and may change at the bank's discretion. Loans are subject to underwriting approval.
Model Year New - 2025; Minimum to Finance: < $10K: Add 2.00% to applicable rate
No additional details available.
No additional details available.
No additional details available.
No additional details available.
72 Months**
As Low As; Loyalty Plus & Online Application Discount
Credit Tier: 740 or greater
As low as 15% down**
No additional details available.
As Low As
*** *
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
$50,000; quoted with 20% down payment
As Low As
As Low As
No additional details available.
As Low As; Call for more information
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; 71% to 80% LTV
As Low As
As Low As
*** *
As Low As
No additional details available.
Model Year 2024 - 2021; Minimum to Finance: < $10K: Add 2.00% to applicable rate
APR*
As Low As
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
As Low As
As Low As
No additional details available.
No additional details available.
Model Year New - 2025
As Low As
As Low As
No additional details available.
Tier 2 670 - 699
As low as 15% down**
As Low As
*** *
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
$25,000; quoted with 20% down payment
Extended terms must meet credit & collateral qualifications. Model Year New - 2025
San Marcos Personal Loan Rates
As low as; Estimated Payment Terms: $32.03 per $1,000 per month for 36 months
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Unsecured Loan, Fixed Rate
As Low As
As Low As; Loan Amount: $500 - $25,000
As Low As
24 months
Credit Tier: 740 or greater
As Low As
No additional details available.
As Low As
As Low As
San Marcos Debt Consolidation Loan Rates
No additional details available.
As Low As
Debt Consolidation
As Low As
As Low As
No additional details available.
As Low As
San Marcos Signature Loan Rates
Good: 14.90%; Average: 16.90%; Fair: 17.90%; Marginal: 17.90%; Low / No score: 17.90%
Excellent: 12.90%; Average: 16.90%; Fair: 17.90%; Marginal: 17.90%; Low / No score: 17.90%
Excellent: 12.90%; Good: 14.90%; Fair: 17.90%; Marginal: 17.90%; Low / No score: 17.90%
Excellent: 12.90%; Good: 14.90%; Average: 16.90%; Marginal: 17.90%; Low / No score: 17.90%
As Low As; Borrow up to $2,000 for up to 24 months.
Months
No additional details available.
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No additional details available.
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As Low As
As Low As
No additional details available.
San Marcos, TX Personal Loan Rate Trends
Compare local San Marcos, 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 0.001 points over the past 7 days to 10.854% APR.
Texas signature loan rates rose 0.063 points over the past 7 days to 12.478% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Marcos, 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 San Marcos, 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 San Marcos, 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 San Marcos, Texas?
What are the best personal loan rates in San Marcos, Texas?
- A+ Federal Credit Union: 9.49% (A+ Personal Loan)
- Randolph Brooks FCU: 9.70% (Personal Loans)
- University Federal Credit Union: 9.75% (Working Capital Loan)
- GREATER TEXAS: 12.99% (Personal Loan)
- Delta Community Credit Union: 4.19% (61-72 months (greater than or equal to Loan)
Personal Loan Calculators
