Best Personal Loan Rates in Dallas, Texas (TX) - April 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 Dallas, Texas include: Metro Medical Credit UnionMetro Medical Credit Union8200 Brookriver Dr Ste N110, Dallas, TX, 75247A+5.0 ★Texas Ratio: 1.65% offering Pleasure Craft Loan at 5.49% APR, Resource One Credit UnionResource One Credit Union1200 Belleview St, Dallas, TX, 75215 1837B+4.7 ★Texas Ratio: 19.00% offering Adventure Loans at 6.59% APR, Neiman Marcus Group Employees Federal Credit UnionNeiman Marcus Group Employees Federal Credit Union1618 Main St, Dallas, TX, 75201 4720A+5.0 ★Texas Ratio: 1.62% offering Personal/Longevity at 6.95% APR, Neighborhood Credit UnionNeighborhood Credit Union13649 Montfort Dr, Dallas, TX, 75240 2521A5.0 ★Texas Ratio: 8.73% offering Personal Loans at 7.14% APR, and Methodist Hospital Employees Federal Credit UnionMethodist Hospital Employees Federal Credit Union1441 N Beckley Ave, Dallas, TX, 75203 1201A5.0 ★Texas Ratio: 8.62% offering Personal at 8.49% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Dallas has 16 local institutions in our database, with personal loan rates as low as 5.49% APR from Metro Medical Credit Union at 8200 Brookriver Dr Ste N110, Dallas, TX, 75247. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Dallas, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Dallas, Texas. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 11, 2026
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As Low As; Finally get that pool, invest in solar panels, or start those home improvements with the simplicity of a large personal loan.
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As Low As; Rates as low as 9.90%
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Under $5,000
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As Low As; Must be 18 years or older, individual borrowers or primary account holders only, and must be a Member of Resource One Credit Union for a minimum of 12 months to apply. Commercial accounts are not eligible. Loan application and approval required. A fee of $20 will be charged for each loan application, whether the loan is approved or declined. Loan cannot exceed $2,000 with a term not exceeding 12 months. An APR of 25.00% will be applied. Applications can only be filed once every 7 days. Loans are processed one at a time, with a maximum of 3 loans in a rolling 6-month period. The Quick Cash Loan is not eligible for the Skip-a-Payment program. Payment example: Estimated monthly payment of $95.04 per $1,000 borrowed at 25.00% APR for 12 months. Other restrictions may apply; see Credit Union for details. All loans are subject to approval. Rates as of April 08, 2026. Rates are subject to change without notice.
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As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
20% down
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As Low As; No pay for 90 days; Easy financing
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balance $20,000
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A+ rating
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48 TO 72 MOS*SAME AS NEW CARS
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balance $75,000
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10% down
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balance $75,000
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As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
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balance $75,000
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As Low As; Minimum holiday loan amount $350, maximum determined by credit qualifications up to $15,000.
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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.
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48 TO 60 MOS*SAME AS USED CARS
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As Low As; Regular APR: 10.090%
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As Low As; Loyalty Plus & Online Application Discount
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CONTACT LOAN DEPARTMENT FOR DETAILS
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As Low As; WITH NO PAYMENTS FOR 60 DAYS! Interest accrues from date of loan disbursal. Call for details. Qualifying criteria applies. Rates and terms subject to change without notice.
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UP TO 48 MONTHS
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10% Down
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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
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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.
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up to 60 months
10% Down
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As Low As; Annual Percentage Rate (APR) quoted is lowest possible for qualified borrowers. APR quoted represents up to a 36-month term for a personal loan. Estimated monthly payment of $86.30 per $1,000 borrowed for 12-month term. Your rate may vary. Qualifications based on credit history, debt and ability to repay. Loan amounts $1,000 - $25,000. Refinancing of existing Mesquite Credit Union loan is not permitted.
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As Low As; Select "Debt Consolidation" on your application.
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As Low As; Finally get that pool, invest in solar panels, or start those home improvements with the simplicity of a large personal loan.
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A+ rating
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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
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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.
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Under $5,000
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up to 60 months
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Dallas, TX Personal Loan Rate Trends
Compare local Dallas, TX personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Texas personal loan rates fell 1.363 points over the past 7 days to 10.633% APR.
Texas signature loan rates rose 0.211 points over the past 7 days to 12.392% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Texas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Texas?
Are credit unions or banks better for personal loans in Dallas, Texas?
What are the best personal loan rates in Dallas, Texas?
- Metro Medical Credit Union: 5.49% (Pleasure Craft Loan)
- Resource One Credit Union: 6.59% (Adventure Loans)
- Neiman Marcus Group Employees Federal Credit Union: 6.95% (Personal/Longevity)
- Neighborhood Credit Union: 7.14% (Personal Loans)
- Methodist Hospital Employees Federal Credit Union: 8.49% (Personal)
Personal Loan Calculators
