By: Loanclose Staff

Personal loans are unsecured loans offered in Texas that can be used for any major purchase you need to cover. Popular uses of personal loans are debt consolidation, home renovation, medical expenses, and many others. The interest rates of personal loans are typically 5.99% up to 36.99%.

What is the average personal loan interest rates in Texas?

The rate you receive on a personal loan is determined by several factors. The main factor that goes into deciding the APR of your personal loan is your credit score. Look at the list below, as you can tell the better your credit score, the lower the interest and the more money you can borrow.

Average Credit ScoreAverage Interest RateAverage Amount Funded
720+7.25%$ 18,793

680-719

11.12%$ 15,622

660-679

17.08%$ 11,782

640-659

23.56%$ 10,015

620-639

31.16%$ 7,806

580-619

58.28%$ 6,324

560-579

107.13%$ 4,921

Less than 560

136.50%$ 3,549

From the information above we can conclude that getting a personal loan in Texas with reasonable interest rates while having a credit score under 580 is difficult.

Get You Personal Loan Rates in Texas Now

LenderAPR RangeAvailable TermsMin Loan AmountMax Loan Amount
Marcus By Goldman Sachs logo

6.99% - 19.99%

Estimated APR

3 to 6 Years

Available Terms

$3,500

Min Loan Amount

$40,000

Max Loan Amount
Check my Rate

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Loan Term

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Features and Benefits

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Lender Requirements
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Marcus By Goldman Sachs® Offer Terms and Conditions

Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and our evaluation of your creditworthiness. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans  Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions.

National Funding logo

15% - 30%

Estimated APR

Up to 1 Year

Available Terms

$5,000

Min Loan Amount

$500,000

Max Loan Amount
See Your Rate

Rate Range*

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Features and Benefits

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Lender Requirements
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LendKey logo

3.49% - 7.75%

Estimated APR

5, 7, 10, 15 or 20 Years

Available Terms

$5,000

Min Loan Amount

$250,000

Max Loan Amount
See Your Rate

Fixed Rate*

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Advertised Rate*

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Terms*

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Loan amount

Types of Student Loan Refinance

Private Student Loan Refinancing

[wps_meta key=”_cmb_comp”] offers refinancing on private student loans.

Federal Student Loan Refinancing

[wps_meta key=”_cmb_comp”] also offers refinancing on federal student loans as well.

Features & Benefits

Loan Amount

[wps_meta key=”_cmb_comp”] offers a minimum loan amount of $5,000. The offer loans of up to:

  • Undergraduate: $125,000
  • graduate: $250,000
  • Medical, Dental or Vetenary: $300,000

Loan Term

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Good For

Individuals who want a loan from a local or community bank at the lowest rate possible.

Features and Benefits

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Lender Requirements

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Kabbage logo

24% - 99%

Estimated APR

6, 12, or 18 Months

Available Terms

$2,000

Min Loan Amount

$250,000

Max Loan Amount
See Your Rate

Fixed Rates*

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Variable Rates*

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Good For

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Features and Benefits

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Lender Requirements
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Payoff logo

5.99% - 24.99%

Estimated APR

2 to 5 Years

Available Terms

$5,000

Min Loan Amount

$35,000

Max Loan Amount
See Your Rate

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Loan Terms*

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Features and Benefits

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Lender Requirements
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Prosper logo

6.95% - 35.99%

Estimated APR

3 to 5 Years

Available Terms

$2,000

Min Loan Amount

$40,000

Max Loan Amount
See Your Rate

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Features and Benefits

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Lender Requirements
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Credible logo

4.5% and up

Estimated APR

5 to 20 years

Available Terms

$1,000

Min Loan Amount

The Cost of Your Tuition

Max Loan Amount
See Your Rate

Fixed Rates*

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Variable Rates*

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Loan Terms*

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Loan Features

Loan Amount

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Features and Benefits

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Lender Requirements
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MyAutoLoan.com logo

2.74% - 27%

Estimated APR

2 to 7 Years

Available Terms

$8,000

Min Loan Amount

$100,000

Max Loan Amount
See Your Rate

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Loan Terms*

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Loan Amount Range*

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Web2Carz logo

2.63% - 7.75%

Estimated APR

5, 7, 10, 15

Available Terms

$1,000

Min Loan Amount

$100,000

Max Loan Amount
See Your Rate

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Loan Term

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Good For

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Features and Benefits

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Lender Requirements
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Credible logo

2.49% - 9.99%

Estimated APR

5 to 20 Years

Available Terms

Min Loan Amount

Max Loan Amount
See Your Rate

Advertised Rate*

2.49% – 9.99%

Loan Terms*

5 to 20 years

$5,000 and up

Loan amount

Types of Student Loan Refinance

Private Student Loan Refinancing

Credible offers refinancing on private student loans.

Federal Student Loan Refinancing

Credible also offers refinancing on federal student loans as well.

Features & Benefits

Loan Amount

Credible offers a minimum loan amount of $5,000 and a maximum loan amount of whatever your student loan balance might be.

Loan Term

Credible offers loan refinancing terms ranging from 5 to 20 years.

Good For

Individuals who want to refinance their student loans while having a lot of options and flexibility.

Features and Benefits

  • No origination or repayment fees. Credible and their partners will never charge you an origination fee or a repayment fee.
  • Cosigners are allowed to help you lower your rate
  • Repayment flexibility: choose when and how often you want to repay your loan.

Lender Requirements

  • At least $5,000 of student debt
  • Have attended a qualifying US education program
  • Be at least 18 years old
  • Have a valid Social Security number and be a legal U.S. citizen or permanent resident.

What Interest Rates Can I Expect to Get in Texas?

As stated above your interest rate a personal loan heavily depends on your credit score. The better your credit score more you can borrow at a interest rate. Personal loans are a great source of financing but you must be aware to avoid scammers when receiving a personal loan. If you receive a personal loan with an exceptionally large interest rate you could be caught in a circle of debt it may be difficult to get out of. Keeping this in mind, all the lenders on TXloan are all reputable industry leading lenders.

To calcuate your rates feel free to use our personal loan calculator.

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