Lender profile
Energy Capital
Lender Live rate observations
Energy Capital at a glance
Energy Capital is a lender based in Texas. LoanMate.ai tracks 4 published loan products from Energy Capital (4 rate listings), last verified 2026-10-17. Its lowest published rate today is 3% on Secured personal loan · 60 months. Its Secured personal loan · 60 months rate of 3% is 2 points below the national median of 5% (across 37 lenders publishing that product). Energy Capital lends in Texas only.
Auto loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-SEC-60 | — | 3.00 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 11.75 | — | — | 2026-10-17 | Lender source ↗ |
How Energy Capital compares
- #1 nationally for Secured personal loan · 60 months — 3% (of 37 lenders publishing it)
Compare all auto loan rates · Compare all personal loan rates · Best loan rates in Texas
Compare with: 1St Community, 4U, A+, Abilene Teachers
Common questions
What is the lowest published rate at Energy Capital?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Energy Capital is 3% on its Secured personal loan · 60 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Energy Capital lend?
Energy Capital lends in Texas only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Energy Capital's Secured personal loan · 60 months rate compare nationally?
Energy Capital publishes Secured personal loan · 60 months at 3%. The national median for that product is 5% across 37 lenders in LoanMate.ai's October 17, 2026 dataset, so Energy Capital is 2 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.