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.

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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)

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.

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 9.79% to 18.00% based on  your creditworthiness. Rates current as of 01.01.23. Payment periods range from 6 to 72 months. Example Payment: $5,000 for 24 months at 10.00% APR will have a monthly payment of $230.72.