Lender profile
Texas Bay
Lender Live rate observations
Texas Bay at a glance
Texas Bay is a lender based in Texas. LoanMate.ai tracks 9 published loan products from Texas Bay (22 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.24% on New auto loan. Its New auto loan rate of 4.24% is 0.75 points below the national median of 4.99% (across 299 lenders publishing that product). Texas Bay lends in Texas only.
HELOC (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 7.74 | — | — | 2026-10-17 | Lender source ↗ |
| HELOC | — | 8.24 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (9)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-5yr | — | 5.34 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-10yr | — | 5.84 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-5yr | — | 5.94 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 6.14 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | — | 6.14 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-30yr | — | 6.44 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-10yr | — | 6.64 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 6.74 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | — | 6.74 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW | — | 4.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 4.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW | — | 4.39 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 4.39 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW | — | 5.54 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.54 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 10.49 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 12.39 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 13.39 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 14.39 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 15.39 | — | — | 2026-10-17 | Lender source ↗ |
How Texas Bay compares
- #2 nationally for Used auto loan — 4.24% (of 170 lenders publishing it)
Compare all heloc rates · 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 Texas Bay?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Texas Bay is 4.24% on its New auto loan. 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 Texas Bay lend?
Texas Bay lends in Texas only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Texas Bay's New auto loan rate compare nationally?
Texas Bay publishes New auto loan at 4.24%. The national median for that product is 4.99% across 299 lenders in LoanMate.ai's October 17, 2026 dataset, so Texas Bay is 0.75 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.