Christmas Holiday Closure

All of our branches and offices will be closing at 1:00 pm on Tuesday, December 24th, and will be closed on Wednesday, December 25th, in observance of the Christmas holiday.

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Personal Loans

 

Flexibility to Fit Your Needs

 

We take your finances personally. That is why our Personal Loans have flexible financing options and competitive, low rates. Texans has the right option to fit your life.

 

Personal Loans

If you love, quick, affordable, and flexible, we have the solution to get money in your pocket now!

A Texans Personal Loan can be used for: 

  • Debt consolidation 
  • Unexpected expenses 
  • Medical expenses


and more! 
Debt consolidation
Unexpected expenses
Medical expenses

Personal Loan Rates

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Loan Term APR¹ as low as
0 to 36 Months 8.74%
37 to 60 Months 10.74%

 

 

Personal Line of Credit

Life doesn’t stop, especially when you’re a Texan. Access your revolving line of credit when you need it, with affordable monthly payments based on your outstanding balance. Plus, you can make advances on your credit line up to your approved limit via online banking or our mobile app. 

  • Variable rate (APR may vary)
  • Can be used for overdraft protection on your Texans Checking Account

 

Texans Line of Credit Rates

Apply Now
Variable APR²
12.15 - 17.99%

Frequently Asked Questions

You can increase the personal line of credit limit with the help of one of our representatives by phone at 972.348.2000 or at your local branch.
We’re in the business of fast service. Most decisions are available within 2-3 business hours. If your application requires a more detailed review or is submitted outside of business hours, it may take longer. A loan advisor will contact you by phone or email once an initial loan decision has been made. 
Yes! You may pay off part or all of your loan at any time with no prepayment fee or penalty. You can also easily pay off the personal loan via online banking. 
If you want to transfer money to a Texans checking/savings account, you will receive the money in about 30 minutes. Transfers to your other institution's savings/checking account will take 24 hours. If you choose to mail it, it will take 3-5 business days.
A personal loan is an unsecured installment loan. Unsecured means the loan is not backed by collateral such as a home, boat or car. Just like other installment loans, they are paid back in equal monthly payments with a fixed interest rate.

Membership Required. Loans are subject to credit approval.

1 Annual Percentage Rate (APR). Rates current as of 09/30/2024. Minimum loan amount is $500. Rates, terms, and conditions are determined by the overall creditworthiness of each applicant. Programs, rates, terms and conditions are subject to change without notice. Other conditions and restrictions may apply. Payment Example: Based on a $500 loan amount, the minimum monthly payment is $15.84 over 36 months at 8.74% APR.

2 Annual Percentage Rate (APR). Rates current as of 12/20/2024. Minimum loan amount is $500. Rates, terms, and conditions are determined by the overall creditworthiness of each applicant. Texans Line of Credit APR is variable and is based on index plus margin. Programs, rates, terms and conditions are subject to change without notice. Other conditions and restrictions may apply.

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