Loan Rates

Low-cost, Local Financing
Chocolate Bayou makes financing large purchases easy and affordable! Whether you’re buying your next car, remodeling your home, or even getting braces for your child… a loan from Chocolate Bayou can help.

Auto Loans

Up to 60 Months
APR1 as low as		 Up to 72 Months
APR1 as low as
4.67% 4.92%

Secured Loans

Used for Boats, Motorcycles, RVs, ATVs, Motor Homes, Machinery, and Farm Equipment.

Up to 60 Months
APR1 as low as		 Up to 72 Months
APR1 as low as		 Up to 84 Months
APR1 as low as		 Up to 96 Months
APR1 as low as
6.42% 7.67% 8.67% 9.67%
Higher terms available for some products. Not all terms shown are available for all products.

Unsecured Loans

Used for nearly anything! Popular uses include debt consolidation, medical expenses, education, furniture, and more.

Personal Loans Terms up to 60 months APR1 as low as
9.93%
Credit Cards Limits up to $10,000 APR1 as low as
9.18%

Mortgage Loans

Visit our loans for more information about our real estate loan options. Call (281) 331-2253 for current rates.

Rates are subject to change without notice. Not all members will qualify for all products offered. Not an offer to lend. Electric Vehicle Loan rates may differ from Auto Loan rates listed. NMLS# 941501. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Rates effective September 18, 2023.

Disclosures:
  1. APR = Annual Percentage Rate. Rates and terms vary and are based on credit score and collateral.