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Personal Loans

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Personal Loans for Your Needs in Houston, TX

Designed to be a simple and easy way to get quick access to cash.

Are you looking for personal loans in Houston, Texas? Look no further than Texas Bay Credit Union. As your financial partner, Texas Bay is here to celebrate the good and overcome the bad with affordable and flexible loan options. Whether you need cash for a special occasion, you've been blind-sided with unexpected expenses, or want to start your credit journey, our personal loans are made to be simple to get cash in your hand quickly.

Use your personal loan for...

  • Home Improvements
  • Consolidate Debt
  • Growing Credit with a Starter Loan
  • Engagement Rings & Weddings
  • Vacations
  • Property Taxes
  • Unexpected Expenses (i.e., medical bills, home, and auto repairs)
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Personal Loan Features                   

  • Repayment periods from 6-72 months*
  • No fees
  • No pre-payment penalty

Our personal loans offer you a flexible borrowing option with low-interest and longer repayment terms in lieu of you needing to deplete your bank account. These loans do not require collateral, and you can use it for any purpose.

Are you new to building credit? Our Starter Loan is designed to help those with little or no credit history start their credit journey on the right foot. Establish a strong credit history now so you’re ready for future milestones, like your first car or mortgage.


  • Maximum loan amount of $2,000
  • Maximum Terms
    • Up to $1,000 - 12 month maximum
    • Up to $2,000 - 24 month maximum
  • Minimum 3 months employment with the same employer
  • Must complete the Starter Loan Online Learning Module prior to the funding of your Starter Loan
Shared Secured Loans can be used for any purpose and are perfect for our members who are looking to establish or rebuild credit. Use your Texas Bay savings or Certificate of Deposit accounts to secure a loan, make payments until the loan is paid in full, then get the savings back - all while building up your credit score.

A line of credit does not require collateral and can be used for a multitude of purposes, including overdraft protection on your checking account. You will have quick access to cash when you need it. Use your line of credit for emergencies and other unexpected expenses life throws at you. As you make loan payments, your borrowing power replenishes.

Texas Bay starter loans are personal loans of up to $2,000 designed to establish new credit for someone who has little or no credit history. Establishing good credit now will help you get that first car or mortgage later. To qualify, you must have at least 3 months employment with the same employer and must complete the Starter Online Learning Module in Zogo (a free financial education app available to anyone). Visit our loan page for more information and to apply online.

Texas Bay offers starter loans up to $2,000 with two options: 

  • Up to $1,000 for 12 months
  • Up to $2,000 for 24 months
Texas Bay interest rates vary from time to time and depend on various factors, including employment history and credit score, to get our current as low as interest rates, please CLICK HERE.
You don’t need good credit, but cannot have a bad credit history. The Texas Bay Credit Union starter loan is designed for younger members just starting out on their credit journey. If you need help rebuilding your credit, we can help with a share-secured personal loan or credit card. Contact us for more information.

Texas Bay Credit Union starter loans are personal loans, which can be used for anything you desire, be it clothes, electronics, or other purchases.

The Texas Bay Credit Union’s starter loans have 2 options for repayment terms:

  • Up to $1,000 for 12 months
  • Up to $2,000 for 24 months
The member can apply online or in person at one of our 9 branch locations. Online, the applicant will be walked through the process, easily. You will need proof of employment for at least 3 months with a single employer. When completed in person, a financial services representative will assist you through the review/approval process, if applicable.
A personal loan is money borrowed from a lender that can be used for nearly any purpose, including paying off debt, financing a large purchase such as a vehicle or a boat, or covering the cost of a major expense like a wedding or vacation. Funds are provided in a lump sum. Once you receive the cash, you must make payments until the debt has been fully repaid. One of the biggest benefits of personal loans versus credit cards is that they come with a fixed interest rate and repayment terms. At Texas Bay Credit Union, we offer a variety of personal loans with terms from 6 to 72 months, no fees, and no early repayment fee. Visit our website for more information.
You can use a personal loan to build your credit rating by using it to pay off high-interest credit card debt; generally, personal loans are lower in interest than most credit cards. Check out the Personal Loan options offered by Texas Bay Credit Union.
Texas Bay Credit Union offers a couple of personal loans to help build credit. For those just starting out on their credit journey, we have a Starter Loan. The maximum amount is $2,000. For those who don’t have good credit, we have the Secured Loan. Use your Texas Bay savings or Certificate of Deposit accounts to secure a loan, make payments until the loan is paid in full, then get the savings back - all while building up your credit score. The loan amount depends on the secured funds. For example, if you secure the loan with $1,000, your loan amount will be $1,000.

Texas Bay Credit Union offers a couple of personal loan options to help build credit. For the Starter Loan, you have up to 2 years to pay off the balance depending on your loan amount. If you have enough credit to qualify for a regular personal loan, those terms are 6 months to 72 months and would depend on you employment and credit history and the amount of the loan.

Absolutely! It’s one of the best ways to improve your credit score. Use the personal loan to pay off higher-interest rate debts, like credit cards. You will generally get a lower monthly payment and lower interest.

Some institutions charge fees on their personal loans. Texas Bay Credit Union does not! No fees, great terms and interest rates, and no early payoff fee. Add great rates and you have a winning combination with Texas Bay Credit Union.

At Texas Bay Credit Union, the financial stability of our members come first. If you are going to miss a payment or be late, please call or drop by to discuss your options. A late fee will be imposed and your credit rating may be impacted.

Interested, but not quite sure what is the best option for your needs?

No problem! Our Financial Service Representatives are here to help answer questions or assist you in narrowing down which option fits your needs best.  

Membership eligibility required. Relationship Product Discounts lower your rate up to a .50% reduction from the standard rate. The standard rate is based on your credit at the time of application. Discounts per product vary. A combination of products reach up to .50% rate reduction.
*Standard variable rate APR of 9.04 % to 18.00% based on  your creditworthiness. Rates current as of 05/02/24 . Payment periods range from 6 to 72 months. Example Payment: $5,000 for 24 months at 14.00% APR will have a monthly payment of $240.06.