Best Personal Loan Rates in Santa Elena, Texas (TX) - April 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 Santa Elena, Texas include: Tinker Federal Credit UnionTinker Federal Credit UnionA+5.0 ★Texas Ratio: 2.99% offering Storm Shelter Loan at 3.99% APR, Houston Highway Credit UnionHouston Highway Credit UnionA+5.0 ★Texas Ratio: 1.00% offering Credit Builder Step-Up Loan Process STEP 5 at 4.00% APR, Secured Advantage Federal Credit UnionSecured Advantage Federal Credit UnionA5.0 ★Texas Ratio: 7.07% offering Starter Loans at 4.00% APR, Abilene Teachers Federal Credit UnionAbilene Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.94% offering Credit Builder Loan at 4.35% APR, and Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit UnionA+5.0 ★Texas Ratio: 3.85% offering Title Loan at 4.49% APR. Personal loan rates as of April 4, 2026 according to verified data from MonitorBankRates.
Santa Elena borrowers have access to 76 lenders serving the Texas area, with personal loan rates as low as 3.99% APR from Tinker Federal Credit Union. 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 Santa Elena, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Santa Elena, 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 4, 2026
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20% down
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balance $20,000
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As Low As; Subject to credit approval
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balance $75,000
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10% down
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As Low As; must be secured by adequate collateral. See loan officer for more details
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As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
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balance $75,000
As Low As; Borrow up to $2,000 for up to 24 months.
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balance $75,000
As Low As; Minimum holiday loan amount $350, maximum determined by credit qualifications up to $15,000.
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As Low As; Up to 70% LTV
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Months
above TSC rate
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As Low As; With Approved Credit
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Loan rate of 6% is effective January 1, 2021. Must have an open established Membership Savings Account in good standing. Must be able to provide two paystubs and have at least 1-year of job history.
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Refinance up to 100% of the value of your home. A variety of terms are available. Option to finance the funding fee.
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As Low As; Rates as low as 5.625% (6.508% APR)
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up to $5,000.00 maximum with approved credit
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As Low As; Regular APR: 10.090%
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As Low As; Fixed rates ranging from 2.79%APR2 to 6.89%APR2 (Auto Pay Discount)
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As Low As; 71% to 80% LTV
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CONTACT LOAN DEPARTMENT FOR DETAILS
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up to $5,000; As Low As
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As Low As; With Approved Credit
5.00% A+ rating
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As Low As; Take a vacation, consolidate bills, fund home or auto repairs, or even if you just need some cash.
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As Low As; from $1,001 to $75,000
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As Low As; WITH NO PAYMENTS FOR 60 DAYS! *Minimum APR (Annual Percentage Rate) of 7.39% applies. Rates vary based on length of term, age of vehicle, and your individual credit worthiness. Excludes internal refinances. **Interest accrues from date of loan disbursal. Call for details. Qualifying criteria applies. Rates and terms subject to change without notice.
As Low As; 81% to 90% LTV
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UP TO 48 MONTHS
As Low As; Up to 84 Months
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As Low As; Up to $35,000 ($1,000 minimum)
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As Low As; from $75,001 to $250,000
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10% Down
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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
up to 60 months
10% Down
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
As Low As; Up to $35,000 ($1,000 minimum)
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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.
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up to $5,000.00 maximum with approved credit
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5.00% A+ rating
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As Low As; Take a vacation, consolidate bills, fund home or auto repairs, or even if you just need some cash.
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As Low As; Up to $35,000 ($1,000 minimum)
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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
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
As Low As; Up to $35,000 ($1,000 minimum)
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As Low As; Other terms available.
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As Low As; Up to 72 Months
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As Low As; With Approved Credit
As Low As; Borrow up to $2,000 for up to 24 months.
Months
As Low As; With Approved Credit
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As Low As; With Approved Credit
up to $5,000; As Low As
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As Low As; from $1,001 to $75,000
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up to 60 months
Santa Elena, TX Personal Loan Rate Trends
Compare local Santa Elena, 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 currently average 10.308% APR.
Texas signature loan rates currently average 13.378% APR.
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 Santa Elena, Texas?
What are the best personal loan rates in Santa Elena, Texas?
- Tinker Federal Credit Union: 3.99% (Storm Shelter Loan)
- Houston Highway Credit Union: 4.00% (Credit Builder Step-Up Loan Process STEP 5)
- Secured Advantage Federal Credit Union: 4.00% (Starter Loans)
- Abilene Teachers Federal Credit Union: 4.35% (Credit Builder Loan)
- Gulf Coast Educators Federal Credit Union: 4.49% (Title Loan)
Personal Loan Calculators
