Best Personal Loan Rates in Schulenburg, Texas - July 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 Schulenburg, Texas include: InvesTex Credit UnionInvesTex Credit UnionA+5.0 ★Texas Ratio: 3.50% offering New and Used Loan at 3.99% APR, City of Deer Park Federal Credit UnionCity of Deer Park Federal Credit UnionA+5.0 ★Texas Ratio: 0.18% offering Credit Rating A+ 0-48 Months Loan at 3.99% APR, Skyone Federal Credit UnionSkyone Federal Credit UnionA5.0 ★Texas Ratio: 9.93% offering Paycheck Perks Loan at 4.00% APR, 5Point Credit Union5Point Credit UnionA5.0 ★Texas Ratio: 5.94% offering 48 Months Loan at 4.00% APR, and Abilene Teachers Federal Credit UnionAbilene Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.90% offering Credit Builder Loan at 4.25% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Schulenburg borrowers have access to 45 lenders serving the Texas area, with personal loan rates as low as 3.99% APR from InvesTex 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 Schulenburg, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Schulenburg, 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: July 11, 2026
Schulenburg Personal Loan Rates
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Intro Rate
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Rates by Year: 2025 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
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Fixed
As Low As*
Maximum Loan Discount: 0.75%
As Low As
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As Low As
Maximum Loan Discount: 0.75%
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rates by Year: 2025 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
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Minimum balance of $20,000 required.
As Low As; Qualified buyers: Take 90 days to make your first payment.
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Maximum Loan Discount: 0.75%
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Rates by Year: 2025 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
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As Low As; Call the credit union for loan promotion rates
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Model Year: 2011 to 2015
As Low As
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Model Year: 2016 to 2019
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Model Year: 2020 to 2024
As Low As
As Low As
As Low As; APR= Annual Percentage Rate
Rates by Year: 2016-2024; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2025 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2025 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
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Monthly Payment per $10,000 Borrowed as low as $189.87
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As Low As; Qualified buyers: Take 90 days to make your first payment.
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Model Year: 2025 to 2027
As Low As
Minimum balance of $30,000 required.
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Model Year: 2025 to 2027
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As Low As; Estimated Payment Terms: $17.59 per $1,000 per month for 66 months
As Low As; Estimated Payment Terms: $30.19 per $1,000 per month for 36 months
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Maximum Loan Discount: 0.75%
As Low As; Qualified buyers: Take 90 days to make your first payment.
View Mortgage Rates
As Low As; APR= Annual Percentage Rate
Borrow up to $2,000
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As Low As; Estimated Payment Terms: $15.39 per $1,000 per month for 78 months
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As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
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Rates by Year: 2016-2024; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2025 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Monthly Payment per $10,000 Borrowed as low as $109.78
As Low As
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MAX
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As low as; Rate and term based on year model, amount financed, and credit score. Rates subject to change.
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
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Rates by Year: 2025 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: 6 Years (65-76M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months
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LTV: Up to 70%
Tier 1 >700
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Model Years 2021 - 2026
As Low As
As Low As; APR= Annual Percentage Rate
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+2.00% above Share Savings Dividend Rate*
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up to $50,000.00
APR*
APR*
As Low As; Qualified buyers: Take 90 days to make your first payment.
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MAX
Model Year: 2025 to 2027
Maximum loan amount $100,000.00
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Maximum Loan Discount: 0.75%
72 Months**
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Tier 1 >700
Rates by Year: 2025 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: 7 Years (77-88M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
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As Low As
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As Low As; Unimproved Property
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Qualified buyers: Take 90 days to make your first payment.
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Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Maximum loan amount $50,000.00
Up to $10,000; As Low As
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Up to $250,000
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> 30k
As Low As; Estimated Payment Terms: $14.84 per $1,000 per month for 84 months
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As Low As; Loan Amount: $500 - $25,000
Schulenburg Personal Loan Rates
As Low As
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As Low As; Loan Amount: $500 - $25,000
Schulenburg Debt Consolidation Loan Rates
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As Low As
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Maximum APR: 18.00%
Maximum APR: 18.00%
As low as**
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Schulenburg Signature Loan Rates
Borrow up to $2,000
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Schulenburg, TX Personal Loan Rate Trends
Compare local Schulenburg, 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 0.239 points over the past 7 days to 10.850% APR.
Texas signature loan rates rose 0.071 points over the past 7 days to 12.251% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Schulenburg, 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 Schulenburg, 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 Schulenburg, 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 Schulenburg, Texas?
What are the best personal loan rates in Schulenburg, Texas?
- InvesTex Credit Union: 3.99% (New and Used Loan)
- City of Deer Park Federal Credit Union: 3.99% (Credit Rating A+ 0-48 Months Loan)
- Skyone Federal Credit Union: 4.00% (Paycheck Perks Loan)
- 5Point Credit Union: 4.00% (48 Months Loan)
- Abilene Teachers Federal Credit Union: 4.25% (Credit Builder Loan)
Personal Loan Calculators
