Best Personal Loans in Houston, TX

Texas Bay Credit Union is the best personal loan lender in Houston, Texas, with a MoneyGeek score of 99 out of 100, because it offers quality service, competitive interest rates and flexible repayment terms. Laurel Road stands is the best lender for online personal loans, with a MoneyGeek score of 93 out of 100, due to its strong customer service, a quick application and approval process, and credibility and transparency about its loan terms and process.

We prioritized local lenders and scored them based on factors like interest rates, loan terms, loan application process and speed of loan funding to gather our best city recommendations. If you're looking for national lenders, we compiled our top picks in the best personal loans in Texas.

The United States Census Bureau reported that the median annual household income in Houston, Texas in 2022 was $60,426. Regardless of whether your actual income is above or below the median value, your ability to afford the monthly loan payments is what matters. Use our personal loan calculator to estimate your monthly loan payments and the total cost of the loan by entering the loan amount, rate and terms.

For example, if you take out a $10,000 personal loan with a 10% interest rate and three years in repayment terms, your monthly payment would be $323, which adds up to $3,876 per year. This amount reflects approximately 6% of the median annual household income in Houston.

If you're in Houston, Texas, and seeking the best personal loans with a preference for in-person service, your selection includes multiple national lenders. Borrowers have the choice of lenders such as Truist, Wells Fargo, PNC and OneMain Financial, each providing a variety of loan options and personal customer service to meet individual financial needs.

We addressed frequently asked questions about the best personal loans in Houston, Texas, offering valuable insight to assist you in making informed decisions.