Randolph, Texas Best Personal Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Randolph, Texas include: Grand Prairie Credit UnionGrand Prairie Credit UnionA+5.0 ★Texas Ratio: 0.24% offering Personal Loans with Collateral at 5.00% APR, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 3.48% offering Unsecured Financing - A+ - 0-36 Months at 6.00% APR, Service 1st Credit UnionService 1st Credit UnionA+5.0 ★Texas Ratio: 1.01% offering Signature at 6.00% APR, Baycel Federal Credit UnionBaycel Federal Credit UnionA+5.0 ★Texas Ratio: 1.41% offering Unsecured Loan at 6.50% APR, and Cherokee County Teachers Federal Credit UnionCherokee County Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 5.35% offering Personal Loan at 6.70% APR. Personal loan rates as of September 12, 2026 according to verified data from MonitorBankRates.
Randolph borrowers have access to 98 lenders serving the Texas area, with personal loan rates as low as 5.00% APR from Grand Prairie Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Randolph, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Randolph, 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: September 12, 2026
Randolph Personal Loan Rates
Term: A+ Credit | Up to 36 Months
+2.00% above Share Savings Dividend Rate*
+2.00% above Share Savings Dividend Rate*
RATE range: 6.00% to 15.00%
As Low As
up to $5,000.00 maximum with approved credit
Amount: Up to $25,000; Credit Tier: 680-739 credit score
Term: 6 months to 72 months; Need extra money for life's unexpected expenses or planned purchases? Telco Plus Credit Union Personal Loans provide affordable financing with competitive rates, flexible terms, and quick local decisions to help you reach your financial goals. Whether you're looking to consolidate high-interest debt, finance a vacation, pay for home improvements, cover medical expenses, purchase appliances, or handle unexpected bills, our personal loans are designed to fit your needs and budget. Why Choose a Telco Plus Personal Loan? Competitive low interest rates. Fast local loan decisions and processing. Flexible repayment terms. Fixed monthly payments. No collateral required for qualified unsecured loans. Secured loan options available for even lower rates. Friendly local service from a trusted East Texas credit union. Our lending team works with members to find the financing option that best fits their situation. Whether you need a small personal loan or a lar
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
APR range: 6.99% - 14.24%
No additional details available.
As low as
As Low As; With Approved Credit; Monthly Payments
As Low As
no collateral; $500 - $3,500
No additional details available.
No additional details available.
Plus Certificate of Deposit Rate
APR range: 7.19% - 14.44%
Daily Periodic Rate: 0.019863%
Starting as low as
As Low As
APR range: 7.49% - 14.74%
Type: NEW
APR range: 7.59% - 14.84%
Advertised Offer: 7.74% APR for terms up to 60 months; Maximum Available Term: Up to 60 months
APR range: 7.79% - 15.04%
No additional details available.
APR range: 7.90% to 17.90%
No additional details available.
As Low As; Loan amount up to $5,000
As Low As; Financing: Up to $35,000 ($1,000 minimum)
Loan Amount: $500+
Fixed; APR range: 7.99% - 16.46%
As low as; Up to $25,000
APR range: 7.99% - 15.24%
As Low As; rates starting at 8.00% & up APR*
up to $15,000
up to $5,000; As Low As
up to $10,000; Depends on total debt & credit history rates start at; Monthly
No additional details available.
No additional details available.
No additional details available.
APR range: 8.00% - 18.00%
No additional details available.
No additional details available.
APR range: 8.00% - 17.00%
Rate, amount and length of payout set according to credit rating. May be renewed every 6 months if there have been no delinquencies on BFCU loans; APR range: 8.00 - 17.99%
Loan Amount: $2,500+
Rates as low as*
No additional details available.
up to $15,000
As low as:
No additional details available.
Fixed Rate
Loan Amount: $3,000+
As Low As
No additional details available.
up to $15,000
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; APR range: 8.50% - 16.50%
As Low As; APR range: 8.50% - 17.00%
As Low As; APR range: 8.50% - 17.50%
Rates as low as 8.5% APR.
Credit Grade: A
No additional details available.
No additional details available.
No additional details available.
APR range: 8.74% - 16.74%
As low as
Term: Unsecured, up to 48 months; As low as
As Low As
RATE range: 8.75% - 18.00%
up to $15,000
APR range: 8.75% to 17.50%
Base: 9.75%; As High As: 18.00%
As low as
Rate includes all available discounts. See Relationship Reward Discounts for details.
Loan Amount: $500-$40,000
As Low As; Fixed rate for the life of the loan; No collateral required; Disclosing restrictions apply
No collateral
As Low As*
As low as; Maximum Loan: up to $7,500.00 or approved limit.
Credit Rating: 750+ | A+
Type: USED
No additional details available.
Loan Amount: $5,000+
No additional details available.
As Low As; up to 18.00%**; Fixed
No additional details available.
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised. This payment example is for a $500 loan at 8.99% APR, paid over a 24-month term. All other payment examples are estimates per $1000. Rates current as of January 20, 2026.
As Low As; Loan amount & maximum term subject to loan review.
As low as; Up to $25,000
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of September 10, 2026. Rates are subject to change without notice.
up to $15,000
APR range: 9.00% - 18.00%
Column A
$0
Grade of Paper: A; Score: 700
No additional details available.
No additional details available.
No additional details available.
Beacon Score: 720+
No additional details available.
As Low As
12.00% | 14.00%
APR range: 9.00% - 18.00%
APR range: 9.00% to 17.75%
APR range: 9.00% to 15.00%
Credit Grade: A
Minimum Loan Amount: $500.00 - $40,000.00
$100 - $5,000; APR range: 9.18% - 17.75%
No additional details available.
No additional details available.
No additional details available.
As Low As; Personal loans
No additional details available.
up to $45
No additional details available.
As low as; Fixed
APR range: 9.25% to 17.75%
As Low As
As Low As
As Low As
APR range: 9.35% - 18.00%
No additional details available.
No additional details available.
Loan Amount: $5,000+
No additional details available.
Unsecured Loan; Equifax Score: 750+
Equifax Score: 750+; Tier Level: A+
As Low As; APR range: 9.49% - 12.75%
Signature Loans; APR*
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of September 10, 2026. Rates are subject to change without notice.
As Low As
No additional details available.
Excellent Credit
N/A
APR range: 9.50% to 17.75%
As Low As; APR range: 9.50% - 13.00%
No additional details available.
No additional details available.
Randolph Personal Loan Rates
Term: A+ Credit | Up to 36 Months
up to $5,000.00 maximum with approved credit
Amount: Up to $25,000; Credit Tier: 680-739 credit score
Term: 6 months to 72 months; Need extra money for life's unexpected expenses or planned purchases? Telco Plus Credit Union Personal Loans provide affordable financing with competitive rates, flexible terms, and quick local decisions to help you reach your financial goals. Whether you're looking to consolidate high-interest debt, finance a vacation, pay for home improvements, cover medical expenses, purchase appliances, or handle unexpected bills, our personal loans are designed to fit your needs and budget. Why Choose a Telco Plus Personal Loan? Competitive low interest rates. Fast local loan decisions and processing. Flexible repayment terms. Fixed monthly payments. No collateral required for qualified unsecured loans. Secured loan options available for even lower rates. Friendly local service from a trusted East Texas credit union. Our lending team works with members to find the financing option that best fits their situation. Whether you need a small personal loan or a lar
No additional details available.
No additional details available.
No additional details available.
Plus Certificate of Deposit Rate
Daily Periodic Rate: 0.019863%
As Low As
Advertised Offer: 7.74% APR for terms up to 60 months; Maximum Available Term: Up to 60 months
No additional details available.
As Low As; Loan amount up to $5,000
As Low As; Financing: Up to $35,000 ($1,000 minimum)
Loan Amount: $500+
up to $15,000
Loan Amount: $2,500+
Rates as low as*
up to $15,000
Fixed Rate
Loan Amount: $3,000+
As Low As
No additional details available.
up to $15,000
As Low As
No additional details available.
No additional details available.
As low as
Term: Unsecured, up to 48 months; As low as
up to $15,000
APR range: 8.75% to 17.50%
Base: 9.75%; As High As: 18.00%
Loan Amount: $500-$40,000
No collateral
As low as; Maximum Loan: up to $7,500.00 or approved limit.
No additional details available.
Loan Amount: $5,000+
No additional details available.
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, as applicable) and may be higher than the lowest rates advertised. This payment example is for a $500 loan at 8.99% APR, paid over a 24-month term. All other payment examples are estimates per $1000. Rates current as of January 20, 2026.
As Low As; Loan amount & maximum term subject to loan review.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of September 10, 2026. Rates are subject to change without notice.
up to $15,000
Column A
$0
No additional details available.
12.00% | 14.00%
APR range: 9.00% to 17.75%
$100 - $5,000; APR range: 9.18% - 17.75%
No additional details available.
No additional details available.
As Low As; Personal loans
No additional details available.
up to $45
No additional details available.
APR range: 9.25% to 17.75%
As Low As
Loan Amount: $5,000+
No additional details available.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of September 10, 2026. Rates are subject to change without notice.
As Low As
Excellent Credit
N/A
APR range: 9.50% to 17.75%
Randolph Debt Consolidation Loan Rates
APR range: 9.00% to 15.00%
APR range: 9.75% - 16.00%
Combine your bills into one easy payment; we'll payoff and close your consolidated accounts. No Collateral Necessary - Finance for up to 66 months based upon credit worthiness. Estimated monthly payment of $198.40 with 66-month term and loan amount of $10,000 at 9.99% APR. APR accurate as of 12/11/25. Loan is subject to credit approval. Please review the Personal Loan Terms for complete details.
APR range: 10.00% - 16.00%
No additional details available.
As Low As
APR range: 11.00% - 16.00%
APR range: 11.49% - 17.99%
Maximum APR: 18.00%
As Low As; *Effective 3/1/2023 Rates subject to change without notice.
Maximum APR: 18.00%
No additional details available.
Randolph Signature Loan Rates
RATE range: 6.00% to 15.00%
No additional details available.
APR range: 6.99% - 14.24%
No additional details available.
As low as
As Low As; With Approved Credit; Monthly Payments
As Low As
no collateral; $500 - $3,500
APR range: 7.19% - 14.44%
Starting as low as
APR range: 7.49% - 14.74%
APR range: 7.59% - 14.84%
APR range: 7.79% - 15.04%
APR range: 7.90% to 17.90%
No additional details available.
As low as; Up to $25,000
APR range: 7.99% - 15.24%
As Low As; rates starting at 8.00% & up APR*
up to $5,000; As Low As
No additional details available.
APR range: 8.00% - 18.00%
No additional details available.
No additional details available.
APR range: 8.00% - 17.00%
Rates as low as*
No additional details available.
As low as:
No additional details available.
No additional details available.
No additional details available.
As Low As
Rates as low as 8.5% APR.
No additional details available.
APR range: 8.74% - 16.74%
As Low As
RATE range: 8.75% - 18.00%
As low as
As Low As; Fixed rate for the life of the loan; No collateral required; Disclosing restrictions apply
As Low As*
Credit Rating: 750+ | A+
As Low As; up to 18.00%**; Fixed
No additional details available.
As low as; Up to $25,000
APR range: 9.00% - 18.00%
Grade of Paper: A; Score: 700
No additional details available.
No additional details available.
No additional details available.
As Low As
APR range: 9.00% - 18.00%
No additional details available.
As low as; Fixed
As Low As
APR range: 9.35% - 18.00%
No additional details available.
No additional details available.
Signature Loans; APR*
No additional details available.
No additional details available.
No additional details available.
Randolph, TX Personal Loan Rate Trends
Compare local Randolph, 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 0.118 points over the past 7 days to 10.914% APR.
Texas signature loan rates rose 0.134 points over the past 7 days to 11.925% APR.
Randolph, TX Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Texas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current TX average personal loan APR of 10.91%, across the terms lenders serving Randolph, Texas most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.84/mo | $163.49/mo | $129.02/mo | $108.50/mo |
| $10,000 | $465.68/mo | $326.98/mo | $258.04/mo | $216.99/mo |
| $15,000 | $698.52/mo | $490.47/mo | $387.05/mo | $325.49/mo |
| $25,000 | $1,164.19/mo | $817.44/mo | $645.09/mo | $542.48/mo |
| $35,000 | $1,629.87/mo | $1,144.42/mo | $903.12/mo | $759.48/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Randolph, Texas
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the TX personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (TX average) | 10.91% | $387.05 | $3,579 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,571 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,106 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,698 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Randolph, Texas
Prequalify With a Soft Credit Check
Most lenders serving Randolph, Texas will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Texas data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Randolph, Texas auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Randolph, Texas high-yield savings account costs nothing and earns interest instead of paying it
Texas Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $387 monthly loan payment is roughly 10.5% of the median individual income in Texas. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Randolph, Texas.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current TX average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Randolph, 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 Randolph, 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 Randolph, 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 Randolph, Texas?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Randolph, Texas?
- Grand Prairie Credit Union: 5.00% (Personal Loans with Collateral)
- IBEW Local 66 Federal Credit Union: 6.00% (Unsecured Financing - A+ - 0-36 Months)
- Service 1st Credit Union: 6.00% (Signature)
- Baycel Federal Credit Union: 6.50% (Unsecured Loan)
- Cherokee County Teachers Federal Credit Union: 6.70% (Personal Loan)
Randolph, Texas Rates & Resources
Personal Loan Calculators
