Best Personal Loan Rates in Wichita Falls, Texas (TX) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 Wichita Falls, Texas include: Union Square Credit UnionUnion Square Credit Union1401 Holliday St, Wichita Falls, TX, 76301 7108A5.0 ★Texas Ratio: 9.88% offering Flex Line Loan at 8.00% APR, Midwestern State University Credit UnionMidwestern State University Credit Union3410 Taft Blvd, Wichita Falls, TX, 76308A+5.0 ★Texas Ratio: 1.99% offering Personal Loan at 8.75% APR, Wichita Falls Teachers Federal Credit UnionWichita Falls Teachers Federal Credit Union4301 Barnett Rd, Wichita Falls, TX, 76310A+5.0 ★Texas Ratio: 3.28% offering Signature at 8.75% APR, Texoma Community Credit UnionTexoma Community Credit Union3800 Sheppard Access Rd, Wichita Falls, TX, 76306A+5.0 ★Texas Ratio: 3.67% offering Signature at 8.90% APR, and Wichita Falls Federal Credit UnionWichita Falls Federal Credit Union2100 Seymour Hwy, Wichita Falls, TX, 76301A+5.0 ★Texas Ratio: 0.63% offering Signature at 9.00% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Wichita Falls has 5 local institutions in our database, with personal loan rates as low as 8.00% APR from Union Square Credit Union at 1401 Holliday St, Wichita Falls, TX, 76301 7108. 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 Wichita Falls, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Wichita Falls, 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: April 6, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1401 Holliday St, Wichita Falls, TX, 76301 7108
Flex Line Loan
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1401 Holliday St, Wichita Falls, TX, 76301 7108
Flex Line Loan (12 - 60 Mo.)
8.00%
▼
APR8.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Midwestern State University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
3410 Taft Blvd, Wichita Falls, TX, 76308
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
As Low As
Wichita Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
4301 Barnett Rd, Wichita Falls, TX, 76310
Signature
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX, 76306
Signature
8.90%
▼
APR8.90%
Last UpdatedApril 7, 2026
Details
As Low As
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX, 76306
Signature Loans
8.90%
▼
APR8.90%
Last UpdatedApril 7, 2026
Details
As Low As
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX, 76301
Signature
9.00%
▼
APR9.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1401 Holliday St, Wichita Falls, TX, 76301 7108
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1401 Holliday St, Wichita Falls, TX, 76301 7108
Signature Loan (12 - 60 Mo.)
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Midwestern State University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
3410 Taft Blvd, Wichita Falls, TX, 76308
Co-Signer (Personal Loan)
14.00%
▼
APR14.00%
Last UpdatedApril 7, 2026
Details
As Low As
Midwestern State University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
3410 Taft Blvd, Wichita Falls, TX, 76308
Try-Me(Personal Loan)
14.50%
▼
APR14.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX, 76301
Salary Advance Loan
23.00%
▼
APR23.00%
Last UpdatedApril 7, 2026
Details
$10 application fee, $700 max loan amount
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Storm Shelter Loan
3.99%
▼
APR3.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 5
4.00%
▼
APR4.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
Starter Loans
4.00%
▼
APR4.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Signature Unsecured Loan
4.25%
▼
APR4.25%
Last UpdatedApril 7, 2026
Details
As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
Credit Builder Loan
4.35%
▼
APR4.35%
Last UpdatedApril 7, 2026
Details
$500 for 12 months at 4.35% APR = $42.65 monthly payment
United Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
R/V LOANS New/Used 80% Financing MSRP or NADA Retail
4.49%
▼
APR4.49%
Last UpdatedApril 7, 2026
Details
20% down
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.49%
▼
APR4.49%
Last UpdatedApril 7, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Recreational Loans
4.50%
▼
APR4.50%
Last UpdatedApril 7, 2026
Details
As Low As; No pay for 90 days; Easy financing
APR4.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 4
4.50%
▼
APR4.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 7, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Recreational/Title Loans
4.67%
▼
APR4.67%
Last UpdatedApril 7, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.74%
▼
APR4.74%
Last UpdatedApril 7, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
New and Used (loan or more)
4.75%
▼
APR4.75%
Last UpdatedApril 7, 2026
Details
balance $20,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 7, 2026
Details
As Low As
APR4.90%
Last UpdatedApril 7, 2026
Details
As Low As; Months
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Fire Station Loan
4.99%
▼
APR4.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Recreational Equipment Loans
4.99%
▼
APR4.99%
Last UpdatedApril 7, 2026
Details
As Low As
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
LAND LOANS
4.99%
▼
APR4.99%
Last UpdatedApril 7, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.99%
▼
APR4.99%
Last UpdatedApril 7, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 3
5.00%
▼
APR5.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
5.00%
▼
APR5.00%
Last UpdatedApril 7, 2026
Details
As Low As; With Approved Credit
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Used & Refinanced Loans
5.24%
▼
APR5.24%
Last UpdatedApril 7, 2026
Details
As Low As; Subject to credit approval
McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
COLLATERAL LOANS NEW
5.24%
▼
APR5.24%
Last UpdatedApril 7, 2026
Details
48 TO 72 MOS*SAME AS NEW CARS
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
PERSONAL LOAN
5.24%
▼
APR5.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
Land Loans
5.25%
▼
APR5.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
New and Used (loan or more)
5.25%
▼
APR5.25%
Last UpdatedApril 7, 2026
Details
balance $75,000
APR5.25%
Last UpdatedApril 7, 2026
Details
No additional details available.
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Pleasure Craft Loan
5.49%
▼
APR5.49%
Last UpdatedApril 7, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
R/V LOANS New/Used 90% Financing MSRP or NADA Retail
5.49%
▼
APR5.49%
Last UpdatedApril 7, 2026
Details
10% down
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
5.49%
▼
APR5.49%
Last UpdatedApril 7, 2026
Details
As Low As
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedApril 7, 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%
Loan Special
5.50%
▼
APR5.50%
Last UpdatedApril 7, 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%
Various operating loans and lines of credit
5.50%
▼
APR5.50%
Last UpdatedApril 7, 2026
Details
As Low As; must be secured by adequate collateral. See loan officer for more details
APR5.50%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 2
5.50%
▼
APR5.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
New and Used (loan or more)
5.50%
▼
APR5.50%
Last UpdatedApril 7, 2026
Details
balance $75,000
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Pleasure Craft Loan
5.65%
▼
APR5.65%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
New and Used (loan or more)
5.75%
▼
APR5.75%
Last UpdatedApril 7, 2026
Details
balance $75,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Interim Construction Loan
5.75%
▼
APR5.75%
Last UpdatedApril 7, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Unimproved Property Loan
5.75%
▼
APR5.75%
Last UpdatedApril 7, 2026
Details
As Low As
Wellspring Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.50%
Land Loans
5.75%
▼
APR5.75%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.90%
Last UpdatedApril 7, 2026
Details
As Low As; Minimum holiday loan amount $350, maximum determined by credit qualifications up to $15,000.
APR5.91%
Last UpdatedApril 7, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5 Year Equity Loan-to-Value up to 80%
5.94%
▼
APR5.94%
Last UpdatedApril 7, 2026
Details
As Low As
APR5.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR5.99%
Last UpdatedApril 7, 2026
Details
As Low As; Up to 70%
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
New Construction Loans
5.99%
▼
APR5.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
Credit Builder Loan
6.00%
▼
APR6.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
6.00%
▼
APR6.00%
Last UpdatedApril 7, 2026
Details
As Low As; With Approved Credit
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedApril 7, 2026
Details
As Low As
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Credit (Re)Builder Loan
6.00%
▼
APR6.00%
Last UpdatedApril 7, 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.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Credit Builder Step-Up Loan Process STEP 1
6.00%
▼
APR6.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Credit Builder Loans
6.00%
▼
APR6.00%
Last UpdatedApril 7, 2026
Details
above TSC rate
APR6.00%
Last UpdatedApril 7, 2026
Details
Months
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA Interest Rate Reduction Refinance Loan (IRRRL)
6.13%
▼
APR6.13%
Last UpdatedApril 7, 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%
VA Interest Rate Reduction Refinance Loan, or IRRRL
6.13%
▼
APR6.13%
Last UpdatedApril 7, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
10 Year Equity Loan-to-Value up to 80%
6.14%
▼
APR6.14%
Last UpdatedApril 7, 2026
Details
As Low As
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
VA Refi Loan
6.20%
▼
APR6.20%
Last UpdatedApril 7, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
6.24%
▼
APR6.24%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA purchase loan
6.35%
▼
APR6.35%
Last UpdatedApril 7, 2026
Details
No additional details available.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5 Year Equity Loan-to-Value greater than 80% to 90%
6.44%
▼
APR6.44%
Last UpdatedApril 7, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA cash-out refinance loan
6.47%
▼
APR6.47%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.49%
Last UpdatedApril 7, 2026
Details
As Low As
McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
COLLATERAL LOANS USED
6.49%
▼
APR6.49%
Last UpdatedApril 7, 2026
Details
48 TO 60 MOS*SAME AS USED CARS
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Recreational Equipment Loans
6.50%
▼
APR6.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.50%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.50%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.51%
Last UpdatedApril 7, 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%
Land Loan (10 years and below)
6.59%
▼
APR6.59%
Last UpdatedApril 7, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedApril 7, 2026
Details
No additional details available.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
6.59%
▼
APR6.59%
Last UpdatedApril 7, 2026
Details
As Low As
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
10 Year Equity Loan-to-Value greater than 80% to 90%
6.64%
▼
APR6.64%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.65%
Last UpdatedApril 7, 2026
Details
As Low As; Regular APR: 10.090%
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Pleasure Craft Loan
6.69%
▼
APR6.69%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.70%
Last UpdatedApril 7, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
Personal Loan
6.70%
▼
APR6.70%
Last UpdatedApril 7, 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%
Personal Loans
6.70%
▼
APR6.70%
Last UpdatedApril 7, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Photovoltaic System Loan*
6.74%
▼
APR6.74%
Last UpdatedApril 7, 2026
Details
As Low As
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Instant Cash Loans
6.75%
▼
APR6.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Unsecured Loans
6.75%
▼
APR6.75%
Last UpdatedApril 7, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Back on Track Loans
6.75%
▼
APR6.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.79%
Last UpdatedApril 7, 2026
Details
No additional details available.
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
Land Loan (7 years and below)
6.79%
▼
APR6.79%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 7, 2026
Details
As Low As
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
Construction Loan
6.88%
▼
APR6.88%
Last UpdatedApril 7, 2026
Details
As Low As
Telco Plus Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
Land Loan 10 Year Fixed
6.88%
▼
APR6.88%
Last UpdatedApril 7, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedApril 7, 2026
Details
No additional details available.
Texas Trust Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
Texas Extra Credit Parent Loan
6.89%
▼
APR6.89%
Last UpdatedApril 7, 2026
Details
As Low As; Fixed rates ranging from 2.79%APR2 to 6.89%APR2 (Auto Pay Discount)
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Signature Loans
6.92%
▼
APR6.92%
Last UpdatedApril 7, 2026
Details
No additional details available.
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
Personal/Longevity
6.95%
▼
APR6.95%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Land Loan 5-year Fixed
6.99%
▼
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As; 71% to 80%
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Lifestyle Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
Annual Loan
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As; With Approved Credit
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
up to $5,000; As Low As
APR7.00%
Last UpdatedApril 7, 2026
Details
CONTACT LOAN DEPARTMENT FOR DETAILS
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
5.00% A+ rating
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Summer/Holiday Loan
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
7.09%
▼
APR7.09%
Last UpdatedApril 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedApril 7, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
Low down payment purchase loan
7.11%
▼
APR7.11%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR7.14%
Last UpdatedApril 7, 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%
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedApril 7, 2026
Details
As Low As
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
Land Loan (5 years and below)
7.17%
▼
APR7.17%
Last UpdatedApril 7, 2026
Details
As Low As
Metro Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Pleasure Craft Loan
7.19%
▼
APR7.19%
Last UpdatedApril 7, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedApril 7, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedApril 7, 2026
Details
As Low As
Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
New Teacher Loan Unsecured
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Vacant Land Loan
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As
Allied Plastics Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Recreational Loans
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal /Signature Loan - from to $75,000
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
$1,001; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.29%
Last UpdatedApril 7, 2026
Details
No additional details available.
Laredo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Residential Lot Loans
7.35%
▼
APR7.35%
Last UpdatedApril 7, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Anything Loan
7.35%
▼
APR7.35%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.39%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR7.39%
Last UpdatedApril 7, 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.
APR7.49%
Last UpdatedApril 7, 2026
Details
No additional details available.
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Land Loan 10-year Fixed
7.49%
▼
APR7.49%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.49%
Last UpdatedApril 7, 2026
Details
As Low As; 81% to 90%
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Personal Property NEW
7.50%
▼
APR7.50%
Last UpdatedApril 7, 2026
Details
UP TO 48 MONTHS
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
7.50%
▼
APR7.50%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.50%
Last UpdatedApril 7, 2026
Details
As Low As
Domino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Special Occasion Loans
7.50%
▼
APR7.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Collateral Loans New or Used (Non Purchase)
7.51%
▼
APR7.51%
Last UpdatedApril 7, 2026
Details
As Low As; Up to 84 Months
Laredo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Residential Lot Loans
7.58%
▼
APR7.58%
Last UpdatedApril 7, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
7.59%
▼
APR7.59%
Last UpdatedApril 7, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.71%
Last UpdatedApril 7, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
7.75%
▼
APR7.75%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.75%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.79%
Last UpdatedApril 7, 2026
Details
No additional details available.
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
7.80%
▼
APR7.80%
Last UpdatedApril 7, 2026
Details
10% Down
APR7.84%
Last UpdatedApril 7, 2026
Details
As Low As
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Midwestern State University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
3410 Taft Blvd, Wichita Falls, TX, 76308
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
As Low As
Midwestern State University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
3410 Taft Blvd, Wichita Falls, TX, 76308
Co-Signer (Personal Loan)
14.00%
▼
APR14.00%
Last UpdatedApril 7, 2026
Details
As Low As
Midwestern State University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.99%
3410 Taft Blvd, Wichita Falls, TX, 76308
Try-Me(Personal Loan)
14.50%
▼
APR14.50%
Last UpdatedApril 7, 2026
Details
No additional details available.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
PERSONAL LOAN
5.24%
▼
APR5.24%
Last UpdatedApril 7, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedApril 7, 2026
Details
As Low As
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedApril 7, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
Personal Loan
6.70%
▼
APR6.70%
Last UpdatedApril 7, 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%
Personal Loans
6.70%
▼
APR6.70%
Last UpdatedApril 7, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 7, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 7, 2026
Details
As Low As
Grand Prairie Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
Personal Loans with Collateral
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
5.00% A+ rating
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.14%
Last UpdatedApril 7, 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%
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedApril 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.64%
▼
APR7.64%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.71%
Last UpdatedApril 7, 2026
Details
As Low As; Up to $35,000 ($1,000 minimum)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 7, 2026
Details
As Low As
APR7.84%
Last UpdatedApril 7, 2026
Details
As Low As
Powered by
MonitorBankRates
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%
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
7.99%
▼
APR7.99%
Last UpdatedApril 7, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
Debt Consolidation Loans
8.99%
▼
APR8.99%
Last UpdatedApril 7, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Debt Consolidation Loans
9.75%
▼
APR9.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
9.99%
▼
APR9.99%
Last UpdatedApril 7, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Debt Consolidation Loans
10.00%
▼
APR10.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Community Resource Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Debt Consolidation
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
As Low As; Up to 72 Months
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
10.99%
▼
APR10.99%
Last UpdatedApril 7, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Debt Consolidation Loans
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Debt Consolidation
12.74%
▼
APR12.74%
Last UpdatedApril 7, 2026
Details
No additional details available.
Covenant Savings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Debt Consolidation Loans
12.90%
▼
APR12.90%
Last UpdatedApril 7, 2026
Details
As Low As
Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Debt Consolidation
13.99%
▼
APR13.99%
Last UpdatedApril 7, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Wichita Falls Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
4301 Barnett Rd, Wichita Falls, TX, 76310
Signature
8.75%
▼
APR8.75%
Last UpdatedApril 7, 2026
Details
No additional details available.
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX, 76306
Signature
8.90%
▼
APR8.90%
Last UpdatedApril 7, 2026
Details
As Low As
Texoma Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX, 76306
Signature Loans
8.90%
▼
APR8.90%
Last UpdatedApril 7, 2026
Details
As Low As
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX, 76301
Signature
9.00%
▼
APR9.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1401 Holliday St, Wichita Falls, TX, 76301 7108
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
1401 Holliday St, Wichita Falls, TX, 76301 7108
Signature Loan (12 - 60 Mo.)
11.00%
▼
APR11.00%
Last UpdatedApril 7, 2026
Details
No additional details available.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Signature Unsecured Loan
4.25%
▼
APR4.25%
Last UpdatedApril 7, 2026
Details
As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
5.00%
▼
APR5.00%
Last UpdatedApril 7, 2026
Details
As Low As; With Approved Credit
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedApril 7, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
APR6.00%
Last UpdatedApril 7, 2026
Details
Months
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
6.00%
▼
APR6.00%
Last UpdatedApril 7, 2026
Details
As Low As; With Approved Credit
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.79%
Last UpdatedApril 7, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.89%
▼
APR6.89%
Last UpdatedApril 7, 2026
Details
No additional details available.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
Signature Loans
6.92%
▼
APR6.92%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 7, 2026
Details
No additional details available.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
up to $5,000; As Low As
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As; With Approved Credit
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Lifestyle Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 7, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedApril 7, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured Signature Loans
7.24%
▼
APR7.24%
Last UpdatedApril 7, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Personal /Signature Loan - from to $75,000
7.25%
▼
APR7.25%
Last UpdatedApril 7, 2026
Details
$1,001; As Low As
APR7.29%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR7.39%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR7.49%
Last UpdatedApril 7, 2026
Details
No additional details available.
APR7.79%
Last UpdatedApril 7, 2026
Details
No additional details available.
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No home improvement personal loan rates found in Wichita Falls, TX currently.
Wichita Falls, TX Personal Loan Rate Trends
Compare local Wichita Falls, 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.
Personal Loan — TX Avg
10.918%
▼ 0.455 vs 7 days ago
Texas personal loan rates fell 0.455 points over the past 7 days to 10.918% APR.
Signature Loan — TX Avg
12.418%
Texas signature loan rates currently average 12.418% APR.
As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Texas?
Most lenders in Wichita Falls, 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 Wichita Falls, 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 Wichita Falls, 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 Wichita Falls, Texas?
Credit unions in Wichita Falls, 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 Wichita Falls, Texas?
- Union Square Credit Union: 8.00% (Flex Line Loan)
- Midwestern State University Credit Union: 8.75% (Personal Loan)
- Wichita Falls Teachers Federal Credit Union: 8.75% (Signature)
- Texoma Community Credit Union: 8.90% (Signature)
- Wichita Falls Federal Credit Union: 9.00% (Signature)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Wichita Falls, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026.
Personal Loan Calculators
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