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Best Personal Loan Rates in Spring, Texas (TX) - March 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
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.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 22, 2026

Current personal loan options available to borrowers in Spring, Texas include: 5Point Credit Union5Point Credit Union1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895A5.0 ★Texas Ratio: 6.33% offering Land Loans at 5.25% APR, InvesTex Credit UnionInvesTex Credit Union230 Cypresswood Dr Ste H, Spring, TX, 77388A+5.0 ★Texas Ratio: 3.65% offering Special Signature Rate at 6.59% APR, Smart Financial Credit UnionSmart Financial Credit Union7206 N Grand Pkwy W, Spring, TX, 77379 1684A5.0 ★Texas Ratio: 10.10% offering Signature Loan at 8.74% APR, Resource One Credit UnionResource One Credit Union8720 Spring Cypress Rd, Spring, TX, 77379B+4.7 ★Texas Ratio: 19.00% offering Personal Loans at 8.99% APR, and SHELLSHELL6232 FM 2920 Rd, Spring, TX, 77379 3454A+5.0 ★Texas Ratio: 2.74% offering Acreage/Land Loan at 8.99% APR.

Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Spring, Texas can save you significantly over the life of your loan.

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 Spring, Texas.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Spring, 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: March 22, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Land Loans
5.25%
View
▼
APR5.25%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Land Loans
5.75%
View
▼
APR5.75%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Construction Loans
6.50%
View
▼
APR6.50%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Special Signature Rate
6.59%
View
▼
APR6.59%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
6.79%
View
▼
APR6.79%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Special Signature Rate
6.89%
View
▼
APR6.89%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
7.29%
View
▼
APR7.29%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
7.39%
View
▼
APR7.39%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
7.49%
View
▼
APR7.49%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
7.79%
View
▼
APR7.79%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
7206 N Grand Pkwy W, Spring, TX, 77379 1684
Signature Loan
8.74%
View
▼
APR8.74%
Last UpdatedMarch 22, 2026
Details

As Low As; Fixed rates start at 8.74% APR* on Signature Loans** for qualified applicants.

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Personal Loans
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

As Low As

SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
6232 FM 2920 Rd, Spring, TX, 77379 3454
Acreage/Land Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Personal Loans
9.49%
View
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details

As Low As

SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
6232 FM 2920 Rd, Spring, TX, 77379 3454
Signature/Personal Loan
9.49%
View
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Debt Consolidation Loans
9.75%
View
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Signature Loans
9.75%
View
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
5250 FM 2920 Rd Ste E, Spring, TX, 77388 3002
Pool Loans
9.79%
View
▼
APR9.79%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

As Low As

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8640 Spring Cypress Rd, Spring, TX, 77379 3133
Seasonal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Signature Loans
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Debt Consolidation Loans
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Personal Loans
10.49%
View
▼
APR10.49%
Last UpdatedMarch 22, 2026
Details

As Low As

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Personal Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8640 Spring Cypress Rd, Spring, TX, 77379 3133
Seasonal Loan
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Debt Consolidation Loans
11.00%
View
▼
APR11.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Signature Loans
11.00%
View
▼
APR11.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX, 77389 1425
Signature/Personal
11.35%
View
▼
APR11.35%
Last UpdatedMarch 22, 2026
Details

As Low As

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2121 FM 2920 Rd, Spring, TX, 77388
Personal
11.99%
View
▼
APR11.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2121 FM 2920 Rd, Spring, TX, 77388
Personal Loans
11.99%
View
▼
APR11.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8640 Spring Cypress Rd, Spring, TX, 77379 3133
Personal Loan
11.99%
View
▼
APR11.99%
Last UpdatedMarch 22, 2026
Details

As Low As

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8640 Spring Cypress Rd, Spring, TX, 77379 3133
Seasonal Loan
11.99%
View
▼
APR11.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Citizenship Loans Getting Started
12.24%
View
▼
APR12.24%
Last UpdatedMarch 22, 2026
Details

0.00 APR that includes an application fee

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2121 FM 2920 Rd, Spring, TX, 77388
Debt Consolidation
12.74%
View
▼
APR12.74%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Citizenship Loans Road to Citizenship
12.74%
View
▼
APR12.74%
Last UpdatedMarch 22, 2026
Details

0.00 APR that includes an application fee

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Signature Rate
14.25%
View
▼
APR14.25%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
QuickCash Loans
25.00%
View
▼
APR25.00%
Last UpdatedMarch 22, 2026
Details

As Low As; APR= Annual Percentage Rate. Must be 18 years or older, individual borrowers or primary account holders only, and must be a Member of Resource One Credit Union for a minimum of 12 months to apply. Commercial accounts are not eligible. Loan application and approval required. A fee of $20 will be charged for each loan application, whether the loan is approved or declined. Loan cannot exceed $2,000 with a term not exceeding 12 months. An APR of 25.00% will be applied. Applications can only be filed once every 7 days. Loans are processed one at a time, with a maximum of 3 loans in a rolling 6-month period. The Quick Cash Loan is not eligible for the Skip-a-Payment program. Payment example: Estimated monthly payment of $95.04 per $1,000 borrowed at 25.00% APR for 12 months. Other restrictions may apply; see Credit Union for details. All loans are subject to approval. Rates as of March 21, 2026. Rates are subject to change without notice.

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX, 76227
Storm Shelter Loan
3.99%
View
▼
APR3.99%
Last UpdatedMarch 22, 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
Consumer Loan
3.99%
View
▼
APR3.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
903 W Highway St, Iowa Park, TX, 76367 1180
Starter Loans
4.00%
View
▼
APR4.00%
Last UpdatedMarch 22, 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 5
4.00%
View
▼
APR4.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Signature Unsecured Loan
4.25%
View
▼
APR4.25%
Last UpdatedMarch 22, 2026
Details

As Low As; Payment Example: 36 monthly payments of approximately $29.55 per $1,000 borrowed at 4.25% APR.

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Credit Builder Loan
4.35%
View
▼
APR4.35%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
Loan Term
4.40%
View
▼
APR4.40%
Last UpdatedMarch 22, 2026
Details

As Low As; Fixed Rate

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%
View
▼
APR4.49%
Last UpdatedMarch 22, 2026
Details

As Low As

United Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
R/V LOANS New/Used 80% Financing MSRP or NADA Retail
4.49%
View
▼
APR4.49%
Last UpdatedMarch 22, 2026
Details

20% down

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Credit Builder Loan
4.50%
View
▼
APR4.50%
Last UpdatedMarch 22, 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 4
4.50%
View
▼
APR4.50%
Last UpdatedMarch 22, 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%
View
▼
APR4.64%
Last UpdatedMarch 22, 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%
View
▼
APR4.67%
Last UpdatedMarch 22, 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%
View
▼
APR4.74%
Last UpdatedMarch 22, 2026
Details

As Low As

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
New and Used (loan or more)
4.75%
View
▼
APR4.75%
Last UpdatedMarch 22, 2026
Details

balance $20,000

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%
View
▼
APR4.80%
Last UpdatedMarch 22, 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%
View
▼
APR4.90%
Last UpdatedMarch 22, 2026
Details

As Low As; Months

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
Loan Term
4.90%
View
▼
APR4.90%
Last UpdatedMarch 22, 2026
Details

As Low As; Fixed Rate

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%
View
▼
APR4.99%
Last UpdatedMarch 22, 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
Consumer Loan
4.99%
View
▼
APR4.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
2307 W Oak St, Palestine, TX, 75801 4063
Recreational Equipment Loans
4.99%
View
▼
APR4.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
150 E Round Bunch Rd, Bridge City, TX, 77611 3720
LAND LOANS
4.99%
View
▼
APR4.99%
Last UpdatedMarch 22, 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%
View
▼
APR4.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details

As Low As; With Approved Credit

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%
View
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
418 McMurrey Dr, Tyler, TX, 75702
COLLATERAL LOANS NEW
5.24%
View
▼
APR5.24%
Last UpdatedMarch 22, 2026
Details

48 TO 72 MOS*SAME AS NEW CARS

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%
View
▼
APR5.24%
Last UpdatedMarch 22, 2026
Details

As Low As; Subject to credit approval

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
150 E Round Bunch Rd, Bridge City, TX, 77611 3720
Land Loans
5.25%
View
▼
APR5.25%
Last UpdatedMarch 22, 2026
Details

As Low As

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
New and Used (loan or more)
5.25%
View
▼
APR5.25%
Last UpdatedMarch 22, 2026
Details

balance $75,000

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%
View
▼
APR5.25%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
Loan Term
5.40%
View
▼
APR5.40%
Last UpdatedMarch 22, 2026
Details

As Low As; Fixed Rate

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%
View
▼
APR5.49%
Last UpdatedMarch 22, 2026
Details

As Low As

Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Consumer Loan
5.49%
View
▼
APR5.49%
Last UpdatedMarch 22, 2026
Details

As Low As

United Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
R/V LOANS New/Used 90% Financing MSRP or NADA Retail
5.49%
View
▼
APR5.49%
Last UpdatedMarch 22, 2026
Details

10% down

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Various operating loans and lines of credit
5.50%
View
▼
APR5.50%
Last UpdatedMarch 22, 2026
Details

As Low As; must be secured by adequate collateral. See loan officer for more details

Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
2307 W Oak St, Palestine, TX, 75801 4063
Loan Special
5.50%
View
▼
APR5.50%
Last UpdatedMarch 22, 2026
Details

As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days

Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
2307 W Oak St, Palestine, TX, 75801 4063
Signature Loan Special
5.50%
View
▼
APR5.50%
Last UpdatedMarch 22, 2026
Details

As Low As; Borrow up to $2,000 for up to 24 months.

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
New and Used (loan or more)
5.50%
View
▼
APR5.50%
Last UpdatedMarch 22, 2026
Details

balance $75,000

Nueces Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
901 Leopard St, Corpus Christi, TX, 78401 3606
loan promotion
5.50%
View
▼
APR5.50%
Last UpdatedMarch 22, 2026
Details

As Low As; Call the credit union for loan promotion rates

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%
View
▼
APR5.50%
Last UpdatedMarch 22, 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%
View
▼
APR5.50%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
New and Used (loan or more)
5.75%
View
▼
APR5.75%
Last UpdatedMarch 22, 2026
Details

balance $75,000

Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Interim Construction Loan
5.75%
View
▼
APR5.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
150 E Round Bunch Rd, Bridge City, TX, 77611 3720
Land Loans
5.75%
View
▼
APR5.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Unimproved Property Loan
5.75%
View
▼
APR5.75%
Last UpdatedMarch 22, 2026
Details

As Low As

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
761 Tank Battalion, Fort Hood, TX, 76544 4906
VA Loan
5.81%
View
▼
APR5.81%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Austin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
Holiday Loan
5.90%
View
▼
APR5.90%
Last UpdatedMarch 22, 2026
Details

As Low As; To sweeten the deal, every holiday loan comes with an entry to a raffle to WIN $500! *APR is Annual Percentage Rate. One $500 prize for loans booked before December 24th and one for those booked between December 29th through January 30th. Minimum holiday loan amount $350, maximum determined by credit qualifications up to $15,000.

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
Loan Term
5.90%
View
▼
APR5.90%
Last UpdatedMarch 22, 2026
Details

As Low As; Fixed Rate

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
761 Tank Battalion, Fort Hood, TX, 76544 4906
VA Refi Loan
5.94%
View
▼
APR5.94%
Last UpdatedMarch 22, 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%
View
▼
APR5.94%
Last UpdatedMarch 22, 2026
Details

As Low As

Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
Pleasure Craft Loan
5.99%
View
▼
APR5.99%
Last UpdatedMarch 22, 2026
Details

As Low As

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%
View
▼
APR5.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
418 McMurrey Dr, Tyler, TX, 75702
LAND LOANS
5.99%
View
▼
APR5.99%
Last UpdatedMarch 22, 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
Loans
5.99%
View
▼
APR5.99%
Last UpdatedMarch 22, 2026
Details

As Low As; For Loans over $50,000

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%
View
▼
APR5.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Up to 70%

Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Consumer Loan
5.99%
View
▼
APR5.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

As Low As; With Approved Credit

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%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Credit (Re)Builder Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

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.

Service 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
Signature
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

Months

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

As Low As

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

As Low As

Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1939 Strickland Dr, Orange, TX, 77630 2901
Credit Builder Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

BOM Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
101 Worth St, Hemphill, TX, 75948
Credit Builder Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 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 (IRRRL)
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

Refinance up to 100% of the value of your home. A variety of terms are available. Option to finance the funding fee.

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
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 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%
View
▼
APR6.14%
Last UpdatedMarch 22, 2026
Details

As Low As

Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
Pleasure Craft Loan
6.15%
View
▼
APR6.15%
Last UpdatedMarch 22, 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 purchase loan
6.22%
View
▼
APR6.22%
Last UpdatedMarch 22, 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
6.24%
View
▼
APR6.24%
Last UpdatedMarch 22, 2026
Details

As Low As

McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
418 McMurrey Dr, Tyler, TX, 75702
LAND LOANS
6.24%
View
▼
APR6.24%
Last UpdatedMarch 22, 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
Consumer Loan
6.24%
View
▼
APR6.24%
Last UpdatedMarch 22, 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
6.34%
View
▼
APR6.34%
Last UpdatedMarch 22, 2026
Details

Refinance up to 90% of the value of your home. Option to finance the funding fee.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
761 Tank Battalion, Fort Hood, TX, 76544 4906
FHA Loan
6.41%
View
▼
APR6.41%
Last UpdatedMarch 22, 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 greater than 80% to 90%
6.44%
View
▼
APR6.44%
Last UpdatedMarch 22, 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
Equity Loan
6.49%
View
▼
APR6.49%
Last UpdatedMarch 22, 2026
Details

As Low As

McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
418 McMurrey Dr, Tyler, TX, 75702
COLLATERAL LOANS USED
6.49%
View
▼
APR6.49%
Last UpdatedMarch 22, 2026
Details

48 TO 60 MOS*SAME AS USED CARS

Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2320 6TH ST, Bay City, TX, 77414 5240
Unsecured
6.50%
View
▼
APR6.50%
Last UpdatedMarch 22, 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%
View
▼
APR6.50%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
6.59%
View
▼
APR6.59%
Last UpdatedMarch 22, 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 Loan
6.60%
View
▼
APR6.60%
Last UpdatedMarch 22, 2026
Details

up to $5,000.00 maximum with approved credit

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%
View
▼
APR6.60%
Last UpdatedMarch 22, 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 greater than 80% to 90%
6.64%
View
▼
APR6.64%
Last UpdatedMarch 22, 2026
Details

As Low As

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
Loan Term
6.65%
View
▼
APR6.65%
Last UpdatedMarch 22, 2026
Details

As Low As; Fixed Rate

Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Equipment Loans
6.70%
View
▼
APR6.70%
Last UpdatedMarch 22, 2026
Details

As Low As

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Photovoltaic System Loan*
6.74%
View
▼
APR6.74%
Last UpdatedMarch 22, 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%
View
▼
APR6.75%
Last UpdatedMarch 22, 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%
View
▼
APR6.75%
Last UpdatedMarch 22, 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%
View
▼
APR6.75%
Last UpdatedMarch 22, 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%
View
▼
APR6.84%
Last UpdatedMarch 22, 2026
Details

As Low As

Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323, TYLER, TX, 75701 3700
Construction Loan
6.88%
View
▼
APR6.88%
Last UpdatedMarch 22, 2026
Details

As Low As

Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323, TYLER, TX, 75701 3700
Land Loan 10 Year Fixed
6.88%
View
▼
APR6.88%
Last UpdatedMarch 22, 2026
Details

As Low As

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 E MARCY DR, BIG SPRING, TX, 79720 5714
Texas Extra Credit Parent Loan
6.89%
View
▼
APR6.89%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Texas Trust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
1900 Country Club Dr, Mansfield, TX, 76063 3490
Texas Extra Credit Parent Loan
6.89%
View
▼
APR6.89%
Last UpdatedMarch 22, 2026
Details

As Low As; Fixed rates ranging from 2.79%APR2 to 6.89%APR2 (Auto Pay Discount)

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%
View
▼
APR6.92%
Last UpdatedMarch 22, 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%
View
▼
APR6.95%
Last UpdatedMarch 22, 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
Low down payment purchase loan
6.96%
View
▼
APR6.96%
Last UpdatedMarch 22, 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
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details

As Low As; 71% to 80%

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 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 5-year Fixed
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 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
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details

As Low As; No-fee, fixed-rate Debt Consolidation Loan

Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Unsecured Personal
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 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
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Other terms 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%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

5.00% A+ rating

Southern Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
HOLIDAY LOANS
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

CONTACT LOAN DEPARTMENT FOR DETAILS

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2455 Stringer St, Brenham, TX, 77833
Summer/Holiday Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

As Low As; With Approved Credit

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%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Old Ocean Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
PO Box 867, Sweeny, TX, 77480
Signature
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 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
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

up to $5,000; 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%
View
▼
APR7.09%
Last UpdatedMarch 22, 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
7.09%
View
▼
APR7.09%
Last UpdatedMarch 22, 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%
View
▼
APR7.14%
Last UpdatedMarch 22, 2026
Details

As Low As

Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
Pleasure Craft Loan
7.19%
View
▼
APR7.19%
Last UpdatedMarch 22, 2026
Details

As Low As

Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Loans
7.24%
View
▼
APR7.24%
Last UpdatedMarch 22, 2026
Details

As Low As; For Loans over $80,000

Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured / Signature Personal
7.24%
View
▼
APR7.24%
Last UpdatedMarch 22, 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%
View
▼
APR7.24%
Last UpdatedMarch 22, 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%
View
▼
APR7.25%
Last UpdatedMarch 22, 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%
View
▼
APR7.25%
Last UpdatedMarch 22, 2026
Details

As Low As

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%
View
▼
APR7.25%
Last UpdatedMarch 22, 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
7.25%
View
▼
APR7.25%
Last UpdatedMarch 22, 2026
Details

As Low As; from $1,001 to $75,000

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%
View
▼
APR7.25%
Last UpdatedMarch 22, 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
Vacant Land Loan
7.25%
View
▼
APR7.25%
Last UpdatedMarch 22, 2026
Details

As Low As

Laredo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1119 Corpus Christi St, Laredo, TX, 78040 5258
Residential Lot Loans
7.35%
View
▼
APR7.35%
Last UpdatedMarch 22, 2026
Details

As Low As

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
4545 Hondo Pass Dr, El Paso, TX, 79904 1303
Anything Loan
7.35%
View
▼
APR7.35%
Last UpdatedMarch 22, 2026
Details

As Low As

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX, 75063 6006
Recreational Loans
7.39%
View
▼
APR7.39%
Last UpdatedMarch 22, 2026
Details

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.

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)
7.42%
View
▼
APR7.42%
Last UpdatedMarch 22, 2026
Details

As Low As; Up to 84 Months

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%
View
▼
APR7.49%
Last UpdatedMarch 22, 2026
Details

As Low As; 81% to 90%

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Land Loan 10-year Fixed
7.49%
View
▼
APR7.49%
Last UpdatedMarch 22, 2026
Details

As Low As

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%
View
▼
APR7.50%
Last UpdatedMarch 22, 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%
View
▼
APR7.50%
Last UpdatedMarch 22, 2026
Details

UP TO 48 MONTHS

Laredo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1119 Corpus Christi St, Laredo, TX, 78040 5258
Residential Lot Loans
7.58%
View
▼
APR7.58%
Last UpdatedMarch 22, 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%
View
▼
APR7.59%
Last UpdatedMarch 22, 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%
View
▼
APR7.64%
Last UpdatedMarch 22, 2026
Details

As Low As

Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
Pleasure Craft Loan
7.69%
View
▼
APR7.69%
Last UpdatedMarch 22, 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%
View
▼
APR7.71%
Last UpdatedMarch 22, 2026
Details

As Low As; Up to $35,000 Financing

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 22, 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
7.75%
View
▼
APR7.75%
Last UpdatedMarch 22, 2026
Details

As Low As; from $75,001 to $250,000

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
7.80%
View
▼
APR7.80%
Last UpdatedMarch 22, 2026
Details

10% Down

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Personal Loans
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Personal Loans
9.49%
View
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details

As Low As

SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
6232 FM 2920 Rd, Spring, TX, 77379 3454
Signature/Personal Loan
9.49%
View
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Personal Loans
10.49%
View
▼
APR10.49%
Last UpdatedMarch 22, 2026
Details

As Low As

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
8720 Spring Cypress Rd, Spring, TX, 77379
Personal Loans
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2121 FM 2920 Rd, Spring, TX, 77388
Personal Loans
11.99%
View
▼
APR11.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8640 Spring Cypress Rd, Spring, TX, 77379 3133
Personal Loan
11.99%
View
▼
APR11.99%
Last UpdatedMarch 22, 2026
Details

As Low As

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

As Low As

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 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 Loan
6.60%
View
▼
APR6.60%
Last UpdatedMarch 22, 2026
Details

up to $5,000.00 maximum with approved credit

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%
View
▼
APR6.60%
Last UpdatedMarch 22, 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%
View
▼
APR6.84%
Last UpdatedMarch 22, 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%
View
▼
APR6.99%
Last UpdatedMarch 22, 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%
View
▼
APR7.00%
Last UpdatedMarch 22, 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%
View
▼
APR7.09%
Last UpdatedMarch 22, 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%
View
▼
APR7.14%
Last UpdatedMarch 22, 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%
View
▼
APR7.64%
Last UpdatedMarch 22, 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%
View
▼
APR7.71%
Last UpdatedMarch 22, 2026
Details

As Low As; Up to $35,000 Financing

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 22, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Debt Consolidation Loans
9.75%
View
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Debt Consolidation Loans
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Debt Consolidation Loans
11.00%
View
▼
APR11.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2121 FM 2920 Rd, Spring, TX, 77388
Debt Consolidation
12.74%
View
▼
APR12.74%
Last UpdatedMarch 22, 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 Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details

As Low As; No-fee, fixed-rate Debt Consolidation Loan

Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Loans
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 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
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 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%
View
▼
APR7.99%
Last UpdatedMarch 22, 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%
View
▼
APR8.99%
Last UpdatedMarch 22, 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%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

As Low As

TxDot Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4174 Old Anson Rd, Abilene, TX, 79601
Debt Consolidation
9.00%
View
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX, 77501
Debt Consolidation Loan
9.50%
View
▼
APR9.50%
Last UpdatedMarch 22, 2026
Details

As Low As; 90 day no pay

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%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

As Low As

NAFT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
901 N Veterans Blvd, Pharr, TX, 78577
Signature, Debt Consolidation
10.90%
View
▼
APR10.90%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Debt Consolidation
10.99%
View
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details

As Low As

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%
View
▼
APR12.90%
Last UpdatedMarch 22, 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%
View
▼
APR13.99%
Last UpdatedMarch 22, 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%
View
▼
APR14.49%
Last UpdatedMarch 22, 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%
View
▼
APR14.49%
Last UpdatedMarch 22, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Special Signature Rate
6.59%
View
▼
APR6.59%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
6.79%
View
▼
APR6.79%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Special Signature Rate
6.89%
View
▼
APR6.89%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
6.99%
View
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
7.29%
View
▼
APR7.29%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
7.39%
View
▼
APR7.39%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
7.49%
View
▼
APR7.49%
Last UpdatedMarch 22, 2026
Details

No additional details available.

InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX, 77388
Signature
7.79%
View
▼
APR7.79%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
7206 N Grand Pkwy W, Spring, TX, 77379 1684
Signature Loan
8.74%
View
▼
APR8.74%
Last UpdatedMarch 22, 2026
Details

As Low As; Fixed rates start at 8.74% APR* on Signature Loans** for qualified applicants.

SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
6232 FM 2920 Rd, Spring, TX, 77379 3454
Signature/Personal Loan
9.49%
View
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Signature Loans
9.75%
View
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Signature Loans
10.00%
View
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Signature Loans
11.00%
View
▼
APR11.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX, 77389 1425
Signature/Personal
11.35%
View
▼
APR11.35%
Last UpdatedMarch 22, 2026
Details

As Low As

5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX, 77380 3895
Signature Rate
14.25%
View
▼
APR14.25%
Last UpdatedMarch 22, 2026
Details

No additional details available.

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Signature Unsecured Loan
4.25%
View
▼
APR4.25%
Last UpdatedMarch 22, 2026
Details

As Low As; Payment Example: 36 monthly payments of approximately $29.55 per $1,000 borrowed at 4.25% APR.

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details

As Low As; With Approved Credit

Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
2307 W Oak St, Palestine, TX, 75801 4063
Signature Loan Special
5.50%
View
▼
APR5.50%
Last UpdatedMarch 22, 2026
Details

As Low As; Borrow up to $2,000 for up to 24 months.

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

As Low As; With Approved Credit

Service 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
Signature
6.00%
View
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details

Months

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%
View
▼
APR6.92%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
Signature Loans
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

up to $5,000; As Low As

Old Ocean Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
PO Box 867, Sweeny, TX, 77480
Signature
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

As Low As

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details

As Low As; With Approved Credit

Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured / Signature Personal
7.24%
View
▼
APR7.24%
Last UpdatedMarch 22, 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%
View
▼
APR7.24%
Last UpdatedMarch 22, 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
7.25%
View
▼
APR7.25%
Last UpdatedMarch 22, 2026
Details

As Low As; from $1,001 to $75,000

No home improvement personal loan rates found in Spring, TX currently.

Frequently Asked Questions

What credit score do I need for a personal loan in Texas?

Most lenders in Spring, 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 Spring, 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 Spring, 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 Spring, Texas?

Credit unions in Spring, 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 Spring, Texas?

  • 5Point Credit Union: 5.25% (Land Loans)
  • InvesTex Credit Union: 6.59% (Special Signature Rate)
  • Smart Financial Credit Union: 8.74% (Signature Loan)
  • Resource One Credit Union: 8.99% (Personal Loans)
  • SHELL: 8.99% (Acreage/Land Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Spring, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 22, 2026.

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