Best Personal Loan Rates in Waxahachie, Texas - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Waxahachie, Texas include: Neighborhood Credit UnionNeighborhood Credit Union1750 N Highway 77, Waxahachie, TX, 75165 7830A5.0 ★Texas Ratio: 7.88% offering Personal Loans at 7.14% APR, ELLIS COUNTY TEACHERS AND EMPLOYEESELLIS COUNTY TEACHERS AND EMPLOYEES1001 BUTCHER RD, WAXAHACHIE, TX, 75165A+5.0 ★Texas Ratio: 0.20% offering Personal Property NEW Loan at 7.50% APR, City Credit UnionCity Credit Union1625 N Highway 77, Waxahachie, TX, 75165A5.0 ★Texas Ratio: 6.49% offering Signature Loan at 10.99% APR, City of Deer Park Federal Credit UnionCity of Deer Park Federal Credit UnionA+5.0 ★Texas Ratio: 0.18% offering Credit Rating A+ 0-48 Months Loan at 3.99% APR, and InvesTex Credit UnionInvesTex Credit UnionA+5.0 ★Texas Ratio: 3.50% offering New and Used Loan at 3.99% APR. Personal loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Waxahachie has 3 local institutions in our database, with personal loan rates as low as 7.14% APR from Neighborhood Credit Union at 1750 N Highway 77, Waxahachie, TX, 75165 7830. 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 Waxahachie, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Waxahachie, 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: July 11, 2026
Waxahachie Personal Loan Rates
No additional details available.
As low as 7.14% APR
No additional details available.
As low as 7.64%APR
Type: NEW
No additional details available.
Loan Amount: $10,000 - $50,999
As Low As
No additional details available.
UP TO $2,500.00
UP TO $1,700.00
Up to 18.00% APR
No additional details available.
No additional details available.
Intro Rate
No additional details available.
No additional details available.
Rates by Year: 2025 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Fixed
As Low As*
Maximum Loan Discount: 0.75%
As Low As
No additional details available.
No additional details available.
As Low As
Maximum Loan Discount: 0.75%
As Low As; Qualified buyers: Take 90 days to make your first payment.
Rates by Year: 2025 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
No additional details available.
Minimum balance of $20,000 required.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Maximum Loan Discount: 0.75%
No additional details available.
Rates by Year: 2025 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; Call the credit union for loan promotion rates
No additional details available.
Model Year: 2011 to 2015
As Low As
No additional details available.
No additional details available.
Model Year: 2016 to 2019
No additional details available.
Rates by Year: 2025 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
No additional details available.
No additional details available.
Rates by Year: 2025 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Monthly Payment per $10,000 Borrowed as low as $189.87
Rates by Year: 2016-2024; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; APR= Annual Percentage Rate
As Low As
As Low As
Model Year: 2020 to 2024
No additional details available.
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
Model Year: 2025 to 2027
Minimum balance of $30,000 required.
As Low As
No additional details available.
No additional details available.
Model Year: 2025 to 2027
Maximum Loan Discount: 0.75%
No additional details available.
As Low As; Estimated Payment Terms: $17.59 per $1,000 per month for 66 months
As Low As; Estimated Payment Terms: $30.19 per $1,000 per month for 36 months
No additional details available.
No additional details available.
Borrow up to $2,000
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; APR= Annual Percentage Rate
View Mortgage Rates
No additional details available.
No additional details available.
No additional details available.
As Low As; Estimated Payment Terms: $15.39 per $1,000 per month for 78 months
No additional details available.
No additional details available.
No additional details available.
Rates by Year: 2025 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Monthly Payment per $10,000 Borrowed as low as $109.78
As Low As
Rates by Year: 2016-2024; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
No additional details available.
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As
No additional details available.
MAX
No additional details available.
With approved credit. Rate and term based on year model, amount financed, and credit score. Rates subject to change.
As low as; Rate and term based on year model, amount financed, and credit score. Rates subject to change.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Rates by Year: 2025 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: 6 Years (65-76M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months
No additional details available.
No additional details available.
LTV: Up to 70%
As Low As; APR= Annual Percentage Rate
Tier 1 >700
No additional details available.
Model Years 2021 - 2026
As Low As
up to $50,000.00
+2.00% above Share Savings Dividend Rate*
No additional details available.
No additional details available.
APR*
APR*
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
MAX
Model Year: 2025 to 2027
Maximum loan amount $100,000.00
No additional details available.
Maximum Loan Discount: 0.75%
72 Months**
No additional details available.
Tier 1 >700
Rates by Year: 2025 or Newer; Tier Level: 7 Years (77-88M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: Up to 3 Years (1-36M); Equifax Score: 700-749; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Rates by Year: 2016-2024; Tier Level: 7 Years (77-88M); Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
No additional details available.
As Low As
No additional details available.
As Low As; Unimproved Property
As Low As; Qualified buyers: Take 90 days to make your first payment.
As Low As; Qualified buyers: Take 90 days to make your first payment.
No additional details available.
No additional details available.
Fixed rates. No origination fee or prepayment penalty. Lowest rates shown include the auto debit discount.
Maximum loan amount $50,000.00
Up to $10,000; As Low As
No additional details available.
Up to $250,000
No additional details available.
> 30k
As Low As; Estimated Payment Terms: $14.84 per $1,000 per month for 84 months
As Low As
As Low As; Loan Amount: $500 - $25,000
Waxahachie Personal Loan Rates
No additional details available.
As low as 7.14% APR
As low as 7.64%APR
Loan Amount: $10,000 - $50,999
As Low As
As Low As
No additional details available.
As Low As; Loan Amount: $500 - $25,000
Waxahachie Debt Consolidation Loan Rates
No additional details available.
As Low As
No additional details available.
Maximum APR: 18.00%
Maximum APR: 18.00%
As low as**
No additional details available.
Waxahachie Signature Loan Rates
No additional details available.
UP TO $1,700.00
Borrow up to $2,000
No additional details available.
Waxahachie, TX Personal Loan Rate Trends
Compare local Waxahachie, 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 fell 0.239 points over the past 7 days to 10.850% APR.
Texas signature loan rates rose 0.071 points over the past 7 days to 12.251% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Waxahachie, 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 Waxahachie, 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 Waxahachie, 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 Waxahachie, Texas?
What are the best personal loan rates in Waxahachie, Texas?
- Neighborhood Credit Union: 7.14% (Personal Loans)
- ELLIS COUNTY TEACHERS AND EMPLOYEES: 7.50% (Personal Property NEW Loan)
- City Credit Union: 10.99% (Signature Loan)
- City of Deer Park Federal Credit Union: 3.99% (Credit Rating A+ 0-48 Months Loan)
- InvesTex Credit Union: 3.99% (New and Used Loan)
Personal Loan Calculators
