Best Personal Loan Rates in Dallas, Texas - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Dallas, Texas include: GREATER TEXASGREATER TEXAS1317 Empire Central Dr, Dallas, TX, 75247 4021A5.0 ★Texas Ratio: 6.70% offering New - 36 months Loan at 5.66% APR, Resource One Credit UnionResource One Credit Union1200 Belleview St, Dallas, TX, 75215 1837B+4.7 ★Texas Ratio: 15.58% offering Adventure Loans at 6.59% APR, Neiman Marcus Group Employees Federal Credit UnionNeiman Marcus Group Employees Federal Credit Union1618 Main St, Dallas, TX, 75201 4720A+5.0 ★Texas Ratio: 1.51% offering Personal/Longevity Loan at 6.95% APR, USE Federal Credit UnionUSE Federal Credit Union400 S Akard St, Dallas, TX, 75202 5324A+5.0 ★Texas Ratio: 0.86% offering Storm Shelter Loan at 8.99% APR, and ADVANCIALADVANCIAL10000 N Central Expy Ste 1400, Dallas, TX, 75231 2319A+5.0 ★Texas Ratio: 9.94% offering Signature Loan at 9.90% APR. Personal loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Dallas has 7 local institutions in our database, with personal loan rates as low as 5.66% APR from GREATER TEXAS at 1317 Empire Central Dr, Dallas, TX, 75247 4021. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Dallas, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Dallas, Texas. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: June 23, 2026
Dallas Personal Loan Rates
As Low As
As Low As
As Low As; Adventure Loan Rates
As Low As
As Low As
As Low As; Apply Now »
As Low As; Apply Now »
As Low As
As Low As; Apply Now »
As Low As; Apply Now »
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
No additional details available.
As Low As; Apply Now »
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
No additional details available.
Rates as low as 9.90%
Unsecured - 36 Mo: $418 is the difference between the amount paid in interest between Advancial Federal Credit Union's rate at 9.90% APR compared to 11.54% APR for the Charlotte Metro market average over the life of a $15,000 unsecured loan over 36 months.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As
As Low As
No additional details available.
0.00 APR that includes an application fee
0.00 APR that includes an application fee
No additional details available.
As Low As; Unsecured Loan, Fixed Rate
Under $5,000
As Low As; Loan cannot exceed $2,000 with a term not exceeding 12 months. A fee of $20 will be charged for each loan application, whether the loan is approved or declined. Applications can only be filed once every 7 days. Loans are processed one at a time, with a maximum of 3 loans in a rolling 6-month period. The Quick Cash Loan is not eligible for the Skip-a-Payment program. Payment example: Estimated monthly payment of $95.04 per $1,000 borrowed at 25.00% APR for 12 months. Other restrictions may apply; see Credit Union for details. All loans are subject to approval. Rates are subject to change without notice.
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Equifax Score: 750+
No additional details available.
Maximum Loan Discount: 0.75%
No additional details available.
Starting At
Fixed
No additional details available.
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As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
Maximum Loan Discount: 0.75%
Equifax Score: 750+
No additional details available.
As Low As
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
Equifax Score: 750+
Maximum Loan Discount: 0.75%
No additional details available.
No additional details available.
No additional details available.
Intro rate expires: 9 months; Regular APR: 4.99%
No additional details available.
No additional details available.
A+ rating
As Low As; *
Model Year: 2011 to 2015
No additional details available.
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Model Year: 2016 to 2019
No additional details available.
Equifax Score: 750+
Equifax Score: 750+
Equifax Score: 700-749
As Low As; Annual Percentage Rate
Model Year: 2020 to 2024
No additional details available.
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No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
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Model Year: 2025 to 2027
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As Low As
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Model Year: 2025 to 2027
No additional details available.
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Maximum Loan Discount: 0.75%
As Low As
As Low As
No additional details available.
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As Low As; Qualified buyers: Take 90 days to make your first payment.
Borrow up to $2,000. June & July 2026.
AS LOW AS
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As Low As
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As Low As; Up to $150,000
As Low As; Qualified buyers: Take 90 days to make your first payment.
Equifax Score: 750+
Equifax Score: 700-749
As Low As; More rate info
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
No additional details available.
MAX
As low as; Rate and term based on year model, amount financed, and credit score. Rates subject to change.
No additional details available.
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With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
No additional details available.
Equifax Score: 700-749
Equifax Score: 750+
As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc.
No additional details available.
No additional details available.
LTV: Up to 70%
No additional details available.
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As Low As
As Low As
APR*
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
+2.00% above Share Savings Dividend Rate*
No additional details available.
Tier 1 >700
No additional details available.
MAX
Model Year: 2025 to 2027
Maximum loan amount $100,000.00
No additional details available.
As Low As*
Maximum Loan Discount: 0.75%
Maximum Term: 72 Months**
As Low As; Qualified buyers: Take 90 days to make your first payment.
Equifax Score: 700-749
Equifax Score: 750+
As Low As; APR= Annual Percentage Rate
Equifax Score: 700-749
As Low As; Qualified buyers: Take 90 days to make your first payment.
Tier 1 >700
No additional details available.
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As Low As
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Maximum loan amount $50,000.00
$150,000; quoted with 20% down payment
Up to $10,000; As Low As
As Low As
No additional details available.
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As Low As
As Low As
As Low As
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Tier 1 >700
As Low As; Loan Amount: $500 - $25,000
No additional details available.
As Low As; Investment Property
As Low As; Investment Property
No additional details available.
$100,000; quoted with 20% down payment
Dallas Personal Loan Rates
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of June 10, 2026. Rates are subject to change without notice.
No additional details available.
As Low As; Unsecured Loan, Fixed Rate
A+ rating
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Loan Amount: $500 - $25,000
Dallas Debt Consolidation Loan Rates
No additional details available.
Maximum APR: 18.00%
As Low As
Maximum APR: 18.00%
No additional details available.
Dallas Signature Loan Rates
Rates as low as 9.90%
As Low As
Under $5,000
Borrow up to $2,000. June & July 2026.
Dallas, TX Personal Loan Rate Trends
Compare local Dallas, TX personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Texas personal loan rates rose 0.172 points over the past 7 days to 11.023% APR.
Texas signature loan rates currently average 12.112% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Dallas, Texas personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Dallas, Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Dallas, Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Texas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Texas?
Are credit unions or banks better for personal loans in Dallas, Texas?
What are the best personal loan rates in Dallas, Texas?
- GREATER TEXAS: 5.66% (New - 36 months Loan)
- Resource One Credit Union: 6.59% (Adventure Loans)
- Neiman Marcus Group Employees Federal Credit Union: 6.95% (Personal/Longevity Loan)
- USE Federal Credit Union: 8.99% (Storm Shelter Loan)
- ADVANCIAL: 9.90% (Signature Loan)
Personal Loan Calculators
