Lender profile
Synergy
Lender Live rate observations
Synergy at a glance
Synergy is a lender based in Texas. LoanMate.ai tracks 11 published loan products from Synergy (17 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.35% on New auto loan · 60 months. Its New auto loan · 60 months rate of 4.35% is 0.84 points below the national median of 5.19% (across 217 lenders publishing that product). Synergy lends in Texas only.
Home equity loan (9)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-10yr | — | 5.25 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | — | 6.00 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-10yr | — | 6.00 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-10yr | — | 6.00 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 6.25 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 6.50 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | — | 6.75 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | — | 7.00 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (3)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-60 | — | 4.35 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 4.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-SEC-60 | — | 6.50 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-12 | — | 7.90 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-36 | — | 9.90 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-LINE | — | 10.90 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 10.90 | — | — | 2026-10-17 | Lender source ↗ |
How Synergy compares
- #1 nationally for Fixed home equity · 15yr — 5.5% (of 121 lenders publishing it)
- #2 nationally for Fixed home equity · 10yr — 5.25% (of 121 lenders publishing it)
Compare all home equity loan rates · 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 Synergy?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Synergy is 4.35% on its New auto 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 Synergy lend?
Synergy lends in Texas only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Synergy's New auto loan · 60 months rate compare nationally?
Synergy publishes New auto loan · 60 months at 4.35%. The national median for that product is 5.19% across 217 lenders in LoanMate.ai's October 17, 2026 dataset, so Synergy is 0.84 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.