Texas Personal Loan Rate Trends
Track current and weekly average personal loan rates in Texas, view interactive rate trend charts, and compare local TX aprs against the national average.
Current Texas Personal Loan Rate Trends
Personal Loan rates in Texas rose 0.240 this week, pushing the Personal Loan average to 10.819%, up from 10.579% last week.
At 10.819%, Texas’s average sits 0.087 above the current national average of 10.731%. This above-average spread may reflect local market conditions or regional lender competition in TX.
The Texas personal loan rate averages on this page are calculated from 591 verified personal loan rate quotes collected across 197 banks and credit unions actively operating in Texas. Our proprietary systems collect and verify rates daily — tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
Texas Personal Loan Rate Trends Chart
Daily average rates since March 15, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
Texas personal loan rate averages compiled from 591 current rate quotes across 197 banks and credit unions operating in TX — updated daily.
As of May 12, 2026 • Data provided by MonitorBankRates.com
Historical Personal Loan Rate Trends in Texas
Quarterly average personal loan rates at credit unions headquartered in Texas, 1994–present. Different methodology from the daily chart above — this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in Texas (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994–present.
Quarterly weighted averages calculated from credit union rate filings, weighted by personal loan portfolio balance.
