Best Personal Loan Rates in Grand Prairie, Texas (TX) - March 2026
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Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Texas borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Grand Prairie, Texas include: Texas Trust Credit UnionTexas Trust Credit Union425 W Jefferson St, Grand Prairie, TX, 75051 1751A5.0 ★Texas Ratio: 7.42% offering Texas Extra Credit Parent Loan at 6.89% APR, Grand Prairie Credit UnionGrand Prairie Credit Union209 N CENTER ST, GRAND PRAIRIE, TX, 75050A+5.0 ★Texas Ratio: 0.13% offering Personal Loans with Collateral at 7.00% APR, Neighborhood Credit UnionNeighborhood Credit Union2525 W Bardin Rd, Grand Prairie, TX, 75052 4303A5.0 ★Texas Ratio: 8.73% offering Personal Loans at 7.14% APR, Local 20 IBEW Federal Credit UnionLocal 20 IBEW Federal Credit Union688 W Tarrant Rd, Grand Prairie, TX, 75050D3.5 ★Texas Ratio: 32.83% offering Loans above 72 months require approval by Board of Directors at 7.80% APR, and Tinker Federal Credit UnionTinker Federal Credit Union8800 US Highway 380, Cross Roads, TX, 76227A+5.0 ★Texas Ratio: 2.99% offering Storm Shelter Loan at 3.99% APR. Personal loan rates as of March 28, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Grand Prairie, Texas can save you significantly over the life of your loan.
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 Grand Prairie, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Grand Prairie, 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: March 28, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Texas Trust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
425 W Jefferson St, Grand Prairie, TX, 75051 1751
Texas Extra Credit Parent Loan
6.89%
▼
APR6.89%
Last UpdatedMarch 29, 2026
Details
As Low As; Fixed rates ranging from 2.79%APR2 to 6.89%APR2 (Auto Pay Discount)
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX, 75050
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
5.00% A+ rating
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
2525 W Bardin Rd, Grand Prairie, TX, 75052 4303
Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMarch 29, 2026
Details
As Low As; Take a vacation, consolidate bills, fund home or auto repairs, or even if you just need some cash.
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
2525 W Bardin Rd, Grand Prairie, TX, 75052 4303
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMarch 29, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
2525 W Bardin Rd, Grand Prairie, TX, 75052 4303
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMarch 29, 2026
Details
As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
7.80%
▼
APR7.80%
Last UpdatedMarch 29, 2026
Details
10% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
7.90%
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details
10% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.05%
▼
APR8.05%
Last UpdatedMarch 29, 2026
Details
5% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.15%
▼
APR8.15%
Last UpdatedMarch 29, 2026
Details
5% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.30%
▼
APR8.30%
Last UpdatedMarch 29, 2026
Details
0% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.35%
▼
APR8.35%
Last UpdatedMarch 29, 2026
Details
10% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.40%
▼
APR8.40%
Last UpdatedMarch 29, 2026
Details
0% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.55%
▼
APR8.55%
Last UpdatedMarch 29, 2026
Details
0% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.60%
▼
APR8.60%
Last UpdatedMarch 29, 2026
Details
5% Down
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Loans above 72 months require approval by Board of Directors
8.85%
▼
APR8.85%
Last UpdatedMarch 29, 2026
Details
0% Down
Texas Trust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
425 W Jefferson St, Grand Prairie, TX, 75051 1751
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 29, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
2525 W Bardin Rd, Grand Prairie, TX, 75052 4303
Personal Loan Plus
9.49%
▼
APR9.49%
Last UpdatedMarch 29, 2026
Details
$10,000 - $50,999
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
2525 W Bardin Rd, Grand Prairie, TX, 75052 4303
Personal Loans Plus
9.49%
▼
APR9.49%
Last UpdatedMarch 29, 2026
Details
As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Signature Loan
12.00%
▼
APR12.00%
Last UpdatedMarch 29, 2026
Details
Maximum of $6,000.00
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
8800 US Highway 380, Cross Roads, TX, 76227
Storm Shelter Loan
3.99%
▼
APR3.99%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
903 W Highway St, Iowa Park, TX, 76367 1180
Starter Loans
4.00%
▼
APR4.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Credit Builder Step-Up Loan Process STEP 5
4.00%
▼
APR4.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Credit Builder Loan
4.35%
▼
APR4.35%
Last UpdatedMarch 29, 2026
Details
No additional details available.
United Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
R/V LOANS New/Used 80% Financing MSRP or NADA Retail
4.49%
▼
APR4.49%
Last UpdatedMarch 29, 2026
Details
20% down
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.49%
▼
APR4.49%
Last UpdatedMarch 29, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Credit Builder Step-Up Loan Process STEP 4
4.50%
▼
APR4.50%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMarch 29, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
Recreational/Title Loans
4.67%
▼
APR4.67%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.74%
▼
APR4.74%
Last UpdatedMarch 29, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
New and Used (loan or more)
4.75%
▼
APR4.75%
Last UpdatedMarch 29, 2026
Details
balance $20,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMarch 29, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
2300 Texas Ave, Texas City, TX, 77590
Unsecured Loan
4.90%
▼
APR4.90%
Last UpdatedMarch 29, 2026
Details
As Low As; Months
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
150 E Round Bunch Rd, Bridge City, TX, 77611 3720
LAND LOANS
4.99%
▼
APR4.99%
Last UpdatedMarch 29, 2026
Details
As Low As
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
2307 W Oak St, Palestine, TX, 75801 4063
Recreational Equipment Loans
4.99%
▼
APR4.99%
Last UpdatedMarch 29, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 29, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
Fire Station Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Credit Builder Step-Up Loan Process STEP 3
5.00%
▼
APR5.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 29, 2026
Details
As Low As; With Approved Credit
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
114 E huntland dr, austin, TX, 78752
Used & Refinanced Loans
5.24%
▼
APR5.24%
Last UpdatedMarch 29, 2026
Details
As Low As; Subject to credit approval
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Other Collateral Loans
5.25%
▼
APR5.25%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Tractor Loan
5.25%
▼
APR5.25%
Last UpdatedMarch 29, 2026
Details
As Low As
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
150 E Round Bunch Rd, Bridge City, TX, 77611 3720
Land Loans
5.25%
▼
APR5.25%
Last UpdatedMarch 29, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
New and Used (loan or more)
5.25%
▼
APR5.25%
Last UpdatedMarch 29, 2026
Details
balance $75,000
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Land Loans
5.25%
▼
APR5.25%
Last UpdatedMarch 29, 2026
Details
No additional details available.
United Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
R/V LOANS New/Used 90% Financing MSRP or NADA Retail
5.49%
▼
APR5.49%
Last UpdatedMarch 29, 2026
Details
10% down
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
5.49%
▼
APR5.49%
Last UpdatedMarch 29, 2026
Details
As Low As
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
Pleasure Craft Loan
5.49%
▼
APR5.49%
Last UpdatedMarch 29, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Tractor Loan
5.50%
▼
APR5.50%
Last UpdatedMarch 29, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Other Collateral Loans
5.50%
▼
APR5.50%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Credit Builder Step-Up Loan Process STEP 2
5.50%
▼
APR5.50%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
New and Used (loan or more)
5.50%
▼
APR5.50%
Last UpdatedMarch 29, 2026
Details
balance $75,000
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
2307 W Oak St, Palestine, TX, 75801 4063
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedMarch 29, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
2307 W Oak St, Palestine, TX, 75801 4063
Loan Special
5.50%
▼
APR5.50%
Last UpdatedMarch 29, 2026
Details
As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Various operating loans and lines of credit
5.50%
▼
APR5.50%
Last UpdatedMarch 29, 2026
Details
As Low As; must be secured by adequate collateral. See loan officer for more details
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
Pleasure Craft Loan
5.65%
▼
APR5.65%
Last UpdatedMarch 29, 2026
Details
As Low As
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
150 E Round Bunch Rd, Bridge City, TX, 77611 3720
Land Loans
5.75%
▼
APR5.75%
Last UpdatedMarch 29, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Land Loans
5.75%
▼
APR5.75%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
New and Used (loan or more)
5.75%
▼
APR5.75%
Last UpdatedMarch 29, 2026
Details
balance $75,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Interim Construction Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 29, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Unimproved Property Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 29, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
Holiday Loan
5.90%
▼
APR5.90%
Last UpdatedMarch 29, 2026
Details
As Low As; To sweeten the deal, every holiday loan comes with an entry to a raffle to WIN $500! *APR is Annual Percentage Rate. One $500 prize for loans booked before December 24th and one for those booked between December 29th through January 30th. Minimum holiday loan amount $350, maximum determined by credit qualifications up to $15,000.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
761 Tank Battalion, Fort Hood, TX, 76544 4906
VA Loan
5.91%
▼
APR5.91%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
5 Year Equity Loan-to-Value up to 80%
5.94%
▼
APR5.94%
Last UpdatedMarch 29, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
5.99%
▼
APR5.99%
Last UpdatedMarch 29, 2026
Details
As Low As; Up to 70% LTV
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
111 N 2nd St, Alpine, TX, 79830
New Construction Loans
5.99%
▼
APR5.99%
Last UpdatedMarch 29, 2026
Details
No additional details available.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX, 75605 7916
Credit Builder Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
above TSC rate
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1939 Strickland Dr, Orange, TX, 77630 2901
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
As Low As; With Approved Credit
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Credit Builder Step-Up Loan Process STEP 1
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
BOM Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
101 Worth St, Hemphill, TX, 75948
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Service 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
Signature
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
Months
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
As Low As
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Credit (Re)Builder Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
Loan rate of 6% is effective January 1, 2021. Must have an open established Membership Savings Account in good standing. Must be able to provide two paystubs and have at least 1-year of job history.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA Interest Rate Reduction Refinance Loan (IRRRL)
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
Refinance up to 100% of the value of your home. A variety of terms are available. Option to finance the funding fee.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA Interest Rate Reduction Refinance Loan, or IRRRL
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
10 Year Equity Loan-to-Value up to 80%
6.14%
▼
APR6.14%
Last UpdatedMarch 29, 2026
Details
As Low As
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
761 Tank Battalion, Fort Hood, TX, 76544 4906
VA Refi Loan
6.20%
▼
APR6.20%
Last UpdatedMarch 29, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA purchase loan
6.22%
▼
APR6.22%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Title Loan
6.24%
▼
APR6.24%
Last UpdatedMarch 29, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
VA cash-out refinance loan
6.34%
▼
APR6.34%
Last UpdatedMarch 29, 2026
Details
Refinance up to 90% of the value of your home. Option to finance the funding fee.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
5 Year Equity Loan-to-Value greater than 80% to 90%
6.44%
▼
APR6.44%
Last UpdatedMarch 29, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX, 77338 4090
Equity Loan
6.49%
▼
APR6.49%
Last UpdatedMarch 29, 2026
Details
As Low As
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
3301 S Loop 256, Palestine, TX, 75801
Recreational Equipment Loans
6.50%
▼
APR6.50%
Last UpdatedMarch 29, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Construction Loans
6.50%
▼
APR6.50%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2320 6TH ST, Bay City, TX, 77414 5240
Unsecured
6.50%
▼
APR6.50%
Last UpdatedMarch 29, 2026
Details
As Low As
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
761 Tank Battalion, Fort Hood, TX, 76544 4906
FHA Loan
6.51%
▼
APR6.51%
Last UpdatedMarch 29, 2026
Details
As Low As; Rates as low as 5.625% (6.508% APR)
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1939 Strickland Dr, Orange, TX, 77630 2901
Land Loan (10 years and below)
6.59%
▼
APR6.59%
Last UpdatedMarch 29, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
6.59%
▼
APR6.59%
Last UpdatedMarch 29, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
Personal Loan
6.60%
▼
APR6.60%
Last UpdatedMarch 29, 2026
Details
up to $5,000.00 maximum with approved credit
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
Personal Loans
6.60%
▼
APR6.60%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX, 78840
10 Year Equity Loan-to-Value greater than 80% to 90%
6.64%
▼
APR6.64%
Last UpdatedMarch 29, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
304 Central Avenue, Longview, TX, 75602
Equipment Loan
6.65%
▼
APR6.65%
Last UpdatedMarch 29, 2026
Details
As Low As; Regular APR: 10.090%
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
Pleasure Craft Loan
6.69%
▼
APR6.69%
Last UpdatedMarch 29, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Equipment Loans
6.70%
▼
APR6.70%
Last UpdatedMarch 29, 2026
Details
As Low As
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Photovoltaic System Loan*
6.74%
▼
APR6.74%
Last UpdatedMarch 29, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
NEW Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 29, 2026
Details
As Low As
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
409 E Loop 281, Longview, TX, 75605 7916
Instant Cash Loans
6.75%
▼
APR6.75%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3700 Avenue F, Bay City, TX, 77414
Unsecured Loans
6.75%
▼
APR6.75%
Last UpdatedMarch 29, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
701 Harvey Rd, College Station, TX, 77840
Back on Track Loans
6.75%
▼
APR6.75%
Last UpdatedMarch 29, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.79%
▼
APR6.79%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1939 Strickland Dr, Orange, TX, 77630 2901
Land Loan (7 years and below)
6.79%
▼
APR6.79%
Last UpdatedMarch 29, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedMarch 29, 2026
Details
As Low As
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323, TYLER, TX, 75701 3700
Construction Loan
6.88%
▼
APR6.88%
Last UpdatedMarch 29, 2026
Details
As Low As
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323, TYLER, TX, 75701 3700
Land Loan 10 Year Fixed
6.88%
▼
APR6.88%
Last UpdatedMarch 29, 2026
Details
As Low As
Cosden Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
400 E MARCY DR, BIG SPRING, TX, 79720 5714
Texas Extra Credit Parent Loan
6.89%
▼
APR6.89%
Last UpdatedMarch 29, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
Signature Loans
6.92%
▼
APR6.92%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
1618 Main St, Dallas, TX, 75201 4720
Personal/Longevity
6.95%
▼
APR6.95%
Last UpdatedMarch 29, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
10750 Mcdermott Fwy, San Antonio, TX, 78288
Low down payment purchase loan
6.96%
▼
APR6.96%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details
As Low As; 71% to 80% LTV
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.99%
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Land Loan 5-year Fixed
6.99%
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
Annual Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Southern Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
HOLIDAY LOANS
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
CONTACT LOAN DEPARTMENT FOR DETAILS
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
up to $5,000; As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
As Low As; With Approved Credit
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
9601 Jones Rd, Houston, TX, 77065
Lifestyle Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
2455 Stringer St, Brenham, TX, 77833
Summer/Holiday Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Old Ocean Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
PO Box 867, Sweeny, TX, 77480
Signature
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
7.09%
▼
APR7.09%
Last UpdatedMarch 29, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedMarch 29, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX, 75503
Used Loan
7.15%
▼
APR7.15%
Last UpdatedMarch 29, 2026
Details
As Low As
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
1939 Strickland Dr, Orange, TX, 77630 2901
Land Loan (5 years and below)
7.17%
▼
APR7.17%
Last UpdatedMarch 29, 2026
Details
As Low As
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
8200 Brookriver Dr Ste N110, Dallas, TX, 75247
Pleasure Craft Loan
7.19%
▼
APR7.19%
Last UpdatedMarch 29, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedMarch 29, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedMarch 29, 2026
Details
As Low As
Allied Plastics Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5213 Lake Shore Dr, Waco, TX, 76710 1732
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 29, 2026
Details
As Low As
Texas Bridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3131 HOLLY RD, CORPUS CHRISTI, TX, 78415
50/50 LOAN
7.25%
▼
APR7.25%
Last UpdatedMarch 29, 2026
Details
As Low As
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Vacant Land Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 29, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
Land Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX, 79106 5940
New Teacher Loan Unsecured
7.25%
▼
APR7.25%
Last UpdatedMarch 29, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Personal /Signature Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 29, 2026
Details
As Low As; from $1,001 to $75,000
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.29%
▼
APR7.29%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Laredo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1119 Corpus Christi St, Laredo, TX, 78040 5258
Residential Lot Loans
7.35%
▼
APR7.35%
Last UpdatedMarch 29, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
4545 Hondo Pass Dr, El Paso, TX, 79904 1303
Anything Loan
7.35%
▼
APR7.35%
Last UpdatedMarch 29, 2026
Details
As Low As
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX, 75063 6006
Recreational Loans
7.39%
▼
APR7.39%
Last UpdatedMarch 29, 2026
Details
As Low As; WITH NO PAYMENTS FOR 60 DAYS! *Minimum APR (Annual Percentage Rate) of 7.39% applies. Rates vary based on length of term, age of vehicle, and your individual credit worthiness. Excludes internal refinances. **Interest accrues from date of loan disbursal. Call for details. Qualifying criteria applies. Rates and terms subject to change without notice.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.39%
▼
APR7.39%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Lot Loans
7.49%
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details
As Low As; 81% to 90% LTV
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.49%
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
Land Loan 10-year Fixed
7.49%
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details
As Low As
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
1001 BUTCHER RD, WAXAHACHIE, TX, 75165
Personal Property NEW
7.50%
▼
APR7.50%
Last UpdatedMarch 29, 2026
Details
UP TO 48 MONTHS
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
Special Occasion Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 29, 2026
Details
No additional details available.
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1505 N Midland Dr, Midland, TX, 79703
Collateral Loans New or Used (Non Purchase)
7.51%
▼
APR7.51%
Last UpdatedMarch 29, 2026
Details
As Low As; Up to 84 Months
Laredo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1119 Corpus Christi St, Laredo, TX, 78040 5258
Residential Lot Loans
7.58%
▼
APR7.58%
Last UpdatedMarch 29, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Other Collateralized Loan
7.59%
▼
APR7.59%
Last UpdatedMarch 29, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
Personal Loan
7.71%
▼
APR7.71%
Last UpdatedMarch 29, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMarch 29, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Premier Loan
7.75%
▼
APR7.75%
Last UpdatedMarch 29, 2026
Details
As Low As; from $75,001 to $250,000
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.79%
▼
APR7.79%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Mesquite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
Personal Loans
7.84%
▼
APR7.84%
Last UpdatedMarch 29, 2026
Details
As Low As
Cooperative Teachers Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.07%
1424 W Southwest Loop 323, Tyler, TX, 75701 9347
Unsecured Personal Loan
7.89%
▼
APR7.89%
Last UpdatedMarch 29, 2026
Details
As Low As; Fixed rates starting as low as 7.89%; No collateral required-qualify based on your credit and income; No prepayment penalties or application fees; Payment protection insurance available
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX, 77030 1500
Signature
7.90%
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details
up to 60 months
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
975 William D Tate Ave, Grapevine, TX, 76051 4097
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
5-year Land Loan
7.93%
▼
APR7.93%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedMarch 29, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
Any Time, Any Day Loan
7.95%
▼
APR7.95%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
Anytime Any Day Loans
7.95%
▼
APR7.95%
Last UpdatedMarch 29, 2026
Details
As Low As
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
209 N CENTER ST, GRAND PRAIRIE, TX, 75050
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
5.00% A+ rating
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
2525 W Bardin Rd, Grand Prairie, TX, 75052 4303
Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMarch 29, 2026
Details
As Low As; Take a vacation, consolidate bills, fund home or auto repairs, or even if you just need some cash.
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
2525 W Bardin Rd, Grand Prairie, TX, 75052 4303
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedMarch 29, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
2525 W Bardin Rd, Grand Prairie, TX, 75052 4303
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedMarch 29, 2026
Details
As Low As
Texas Trust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
425 W Jefferson St, Grand Prairie, TX, 75051 1751
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 29, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
2525 W Bardin Rd, Grand Prairie, TX, 75052 4303
Personal Loan Plus
9.49%
▼
APR9.49%
Last UpdatedMarch 29, 2026
Details
$10,000 - $50,999
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
2525 W Bardin Rd, Grand Prairie, TX, 75052 4303
Personal Loans Plus
9.49%
▼
APR9.49%
Last UpdatedMarch 29, 2026
Details
As Low As
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
As Low As
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2601 Network Blvd Ste 900, Frisco, TX, 75034
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
Personal Loans
6.60%
▼
APR6.60%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
Personal Loan
6.60%
▼
APR6.60%
Last UpdatedMarch 29, 2026
Details
up to $5,000.00 maximum with approved credit
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedMarch 29, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedMarch 29, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
Personal Loan
7.71%
▼
APR7.71%
Last UpdatedMarch 29, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMarch 29, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
Personal Loans
7.84%
▼
APR7.84%
Last UpdatedMarch 29, 2026
Details
As Low As
Cooperative Teachers Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.07%
1424 W Southwest Loop 323, Tyler, TX, 75701 9347
Unsecured Personal Loan
7.89%
▼
APR7.89%
Last UpdatedMarch 29, 2026
Details
As Low As; Fixed rates starting as low as 7.89%; No collateral required-qualify based on your credit and income; No prepayment penalties or application fees; Payment protection insurance available
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Luso American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
975 William D Tate Ave, Grapevine, TX, 76051 4097
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details
As Low As; Rates determined by credit history. The rate will never be higher than the maximum allowed by the Federal Credit Union Act, which is currently 18%. All applications are subject to credit approval. Minimum loan amount of $500. Maximum loan amount of $9,500.00. Minimum repayment term of 6 months. Maximum repayment term of 48 months. Payment Example: $1,000 Personal Loan at 7.90% for 48 months equals a monthly payment of $24.36. Applications may take up to one (1) business day to process. Approved applicants must become members prior to or at loan disbursement. Membership eligibility required. For further details, please contact Luso American Credit Union at 978-531-5767 or at 37 Tremont Street, Peabody, MA 01960.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedMarch 29, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Unsecured Personal
7.99%
▼
APR7.99%
Last UpdatedMarch 29, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Unsecured Personal
8.99%
▼
APR8.99%
Last UpdatedMarch 29, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Debt Consolidation Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 29, 2026
Details
As Low As
TxDot Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
4174 Old Anson Rd, Abilene, TX, 79601
Debt Consolidation
9.00%
▼
APR9.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX, 77501
Debt Consolidation Loan
9.50%
▼
APR9.50%
Last UpdatedMarch 29, 2026
Details
As Low As; 90 day no pay
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Debt Consolidation Loans
9.75%
▼
APR9.75%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Unsecured Personal
9.99%
▼
APR9.99%
Last UpdatedMarch 29, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Debt Consolidation Loans
10.00%
▼
APR10.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
NAFT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
901 N Veterans Blvd, Pharr, TX, 78577
Signature, Debt Consolidation
10.90%
▼
APR10.90%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Debt Consolidation
10.99%
▼
APR10.99%
Last UpdatedMarch 29, 2026
Details
As Low As; Up to 72 Months
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Debt Consolidation Unsecured Personal
10.99%
▼
APR10.99%
Last UpdatedMarch 29, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3700 Skyline Dr, Nederland, TX, 77627 8303
Debt Consolidation Loans
11.00%
▼
APR11.00%
Last UpdatedMarch 29, 2026
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3200 S Dairy Ashford Rd, Houston, TX, 77082 2319
Debt Consolidation
12.74%
▼
APR12.74%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Covenant Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
2904 E Stan Schlueter loop Bldg A, Killeen, TX, 76542 4813
Debt Consolidation Loans
12.90%
▼
APR12.90%
Last UpdatedMarch 29, 2026
Details
As Low As
Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX, 79109
Debt Consolidation
13.99%
▼
APR13.99%
Last UpdatedMarch 29, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMarch 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMarch 29, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
688 W Tarrant Rd, Grand Prairie, TX, 75050
Signature Loan
12.00%
▼
APR12.00%
Last UpdatedMarch 29, 2026
Details
Maximum of $6,000.00
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 29, 2026
Details
As Low As; With Approved Credit
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
2307 W Oak St, Palestine, TX, 75801 4063
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedMarch 29, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
Service 1st Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
Signature
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
Months
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 29, 2026
Details
As Low As; With Approved Credit
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedMarch 29, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.79%
▼
APR6.79%
Last UpdatedMarch 29, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
Signature Loans
6.92%
▼
APR6.92%
Last UpdatedMarch 29, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
6.99%
▼
APR6.99%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX, 75501
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
up to $5,000; As Low As
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
9601 Jones Rd, Houston, TX, 77065
Lifestyle Signature Loans
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
As Low As; With Approved Credit
Old Ocean Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
PO Box 867, Sweeny, TX, 77480
Signature
7.00%
▼
APR7.00%
Last UpdatedMarch 29, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedMarch 29, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedMarch 29, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Personal /Signature Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 29, 2026
Details
As Low As; from $1,001 to $75,000
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.29%
▼
APR7.29%
Last UpdatedMarch 29, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.39%
▼
APR7.39%
Last UpdatedMarch 29, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.49%
▼
APR7.49%
Last UpdatedMarch 29, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX, 77032
Signature
7.79%
▼
APR7.79%
Last UpdatedMarch 29, 2026
Details
No additional details available.
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6414 FANNIN ST STE G50, HOUSTON, TX, 77030 1500
Signature
7.90%
▼
APR7.90%
Last UpdatedMarch 29, 2026
Details
up to 60 months
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No home improvement personal loan rates found in Grand Prairie, TX currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Texas?
Most lenders in Grand Prairie, Texas require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Texas often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Grand Prairie, Texas require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Texas?
Yes. Debt consolidation is one of the most common uses of personal loans in Grand Prairie, Texas. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Grand Prairie, Texas?
Credit unions in Grand Prairie, Texas often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Grand Prairie, Texas?
- Texas Trust Credit Union: 6.89% (Texas Extra Credit Parent Loan)
- Grand Prairie Credit Union: 7.00% (Personal Loans with Collateral)
- Neighborhood Credit Union: 7.14% (Personal Loans)
- Local 20 IBEW Federal Credit Union: 7.80% (Loans above 72 months require approval by Board of Directors)
- Tinker Federal Credit Union: 3.99% (Storm Shelter Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Grand Prairie, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 28, 2026.
Personal Loan Calculators
