Best Personal Loan Rates in Garland, Texas (TX) - April 2026
Content reviewed by
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 Garland, Texas include: Firefighters First Federal Credit UnionFirefighters First Federal Credit Union901 W Campbell Rd Ste B, Garland, TX, 75044 2510A+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% APR, Resource One Credit UnionResource One Credit Union302 W Centerville Rd, Garland, TX, 75041B+4.7 ★Texas Ratio: 19.00% offering Adventure Loans at 6.59% APR, Randolph Brooks FCURandolph Brooks FCU5175 N President George Bush Hwy, Garland, TX, 75040A+5.0 ★ offering Signature at 9.70% APR, Tinker Federal Credit UnionTinker Federal Credit UnionA+5.0 ★Texas Ratio: 2.99% offering Storm Shelter Loans at 3.99% APR, and Houston Highway Credit UnionHouston Highway Credit UnionA+5.0 ★Texas Ratio: 1.00% offering Credit Builder Step-Up Loan Process STEP 5 at 4.00% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Garland has 3 local institutions in our database, with personal loan rates as low as 4.99% APR from Firefighters First Federal Credit Union at 901 W Campbell Rd Ste B, Garland, TX, 75044 2510. 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 Garland, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Garland, 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 19, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX, 75044 2510
Fire Station Loan
4.99%
▼
APR4.99%
Last UpdatedApril 21, 2026
Details
No additional details available.
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Adventure Loans
6.59%
▼
APR6.59%
Last UpdatedApril 21, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX, 75044 2510
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedApril 21, 2026
Details
No additional details available.
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 21, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX, 75044 2510
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedApril 21, 2026
Details
No additional details available.
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 21, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX, 75040
Signature
9.70%
▼
APR9.70%
Last UpdatedApril 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 21, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX, 75040
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 21, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX, 75040
Signature
10.15%
▼
APR10.15%
Last UpdatedApril 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 21, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX, 75044 2510
Signature Loan(closed-end loan)
10.74%
▼
APR10.74%
Last UpdatedApril 21, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX, 75044 2510
Safety Line(open-end loan)
10.99%
▼
APR10.99%
Last UpdatedApril 21, 2026
Details
No additional details available.
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 21, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX, 75040
Signature
11.15%
▼
APR11.15%
Last UpdatedApril 21, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX, 75040
Signature
12.15%
▼
APR12.15%
Last UpdatedApril 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
QuickCash Loans
25.00%
▼
APR25.00%
Last UpdatedApril 21, 2026
Details
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. 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. Other restrictions may apply; see Credit Union for details. All loans are subject to approval. Rates as of April 19, 2026. Rates are subject to change without notice.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Storm Shelter Loans
3.99%
▼
APR3.99%
Last UpdatedApril 21, 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 21, 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 21, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
4.49%
▼
APR4.49%
Last UpdatedApril 21, 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 4
4.50%
▼
APR4.50%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR4.50%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 21, 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 21, 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 21, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 21, 2026
Details
As Low As
APR4.90%
Last UpdatedApril 21, 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 21, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
5.00%
▼
APR5.00%
Last UpdatedApril 21, 2026
Details
As Low As; With Approved Credit
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 21, 2026
Details
No additional details available.
McMurrey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
COLLATERAL LOANS NEW
5.24%
▼
APR5.24%
Last UpdatedApril 21, 2026
Details
48 TO 72 MOS*SAME AS NEW CARS
Star Of Texas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Used & Refinanced Loans
5.24%
▼
APR5.24%
Last UpdatedApril 21, 2026
Details
As Low As; Subject to credit approval
APR5.25%
Last UpdatedApril 21, 2026
Details
As Low As
APR5.25%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR5.25%
Last UpdatedApril 21, 2026
Details
No additional details available.
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
5.49%
▼
APR5.49%
Last UpdatedApril 21, 2026
Details
As Low As
APR5.50%
Last UpdatedApril 21, 2026
Details
No additional details available.
Anderson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
Signature Loan Special
5.50%
▼
APR5.50%
Last UpdatedApril 21, 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 21, 2026
Details
As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
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 21, 2026
Details
No additional details available.
APR5.50%
Last UpdatedApril 21, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA Interest Rate Reduction Refinance Loan, or IRRRL
5.73%
▼
APR5.73%
Last UpdatedApril 21, 2026
Details
No additional details available.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Interim Construction Loan
5.75%
▼
APR5.75%
Last UpdatedApril 21, 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 21, 2026
Details
As Low As
APR5.75%
Last UpdatedApril 21, 2026
Details
No additional details available.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
PERSONAL LOAN
5.79%
▼
APR5.79%
Last UpdatedApril 21, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA purchase loan
5.93%
▼
APR5.93%
Last UpdatedApril 21, 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 21, 2026
Details
As Low As
Alpine Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
New Construction Loans
5.99%
▼
APR5.99%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR5.99%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR5.99%
Last UpdatedApril 21, 2026
Details
As Low As; Up to 70% LTV
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
6.00%
▼
APR6.00%
Last UpdatedApril 21, 2026
Details
As Low As; With Approved Credit
APR6.00%
Last UpdatedApril 21, 2026
Details
Months
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 21, 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 21, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedApril 21, 2026
Details
As Low As
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
VA cash-out refinance loan
6.08%
▼
APR6.08%
Last UpdatedApril 21, 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 21, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Title Loan
6.24%
▼
APR6.24%
Last UpdatedApril 21, 2026
Details
As Low As
APR6.24%
Last UpdatedApril 21, 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 21, 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 21, 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 21, 2026
Details
No additional details available.
APR6.50%
Last UpdatedApril 21, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
Low down payment purchase loan
6.57%
▼
APR6.57%
Last UpdatedApril 21, 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 21, 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 21, 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 greater than 80% to 90%
6.64%
▼
APR6.64%
Last UpdatedApril 21, 2026
Details
As Low As
APR6.65%
Last UpdatedApril 21, 2026
Details
As Low As; Regular APR: 10.090%
APR6.70%
Last UpdatedApril 21, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
Personal Loans
6.70%
▼
APR6.70%
Last UpdatedApril 21, 2026
Details
24 months
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
Unsecured Loans
6.75%
▼
APR6.75%
Last UpdatedApril 21, 2026
Details
As Low As
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Anything Loan
6.75%
▼
APR6.75%
Last UpdatedApril 21, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Brazos Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
Back on Track Loans
6.75%
▼
APR6.75%
Last UpdatedApril 21, 2026
Details
No additional details available.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Instant Cash Loans
6.75%
▼
APR6.75%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR6.79%
Last UpdatedApril 21, 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 21, 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 21, 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 21, 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 21, 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 21, 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 21, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 21, 2026
Details
As Low As; 71% to 80% LTV
APR6.99%
Last UpdatedApril 21, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 21, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 21, 2026
Details
No additional details available.
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedApril 21, 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 21, 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 21, 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 21, 2026
Details
5.00% A+ rating
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
7.09%
▼
APR7.09%
Last UpdatedApril 21, 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 21, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedApril 21, 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 21, 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 21, 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 21, 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 21, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
Land Loans
7.25%
▼
APR7.25%
Last UpdatedApril 21, 2026
Details
No additional details available.
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 21, 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 21, 2026
Details
As Low As
APR7.25%
Last UpdatedApril 21, 2026
Details
As Low As
APR7.29%
Last UpdatedApril 21, 2026
Details
No additional details available.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Anything Loan
7.35%
▼
APR7.35%
Last UpdatedApril 21, 2026
Details
As Low As
APR7.39%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR7.49%
Last UpdatedApril 21, 2026
Details
As Low As; 81% to 90% LTV
APR7.49%
Last UpdatedApril 21, 2026
Details
As Low As
APR7.49%
Last UpdatedApril 21, 2026
Details
No additional details available.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
7.50%
▼
APR7.50%
Last UpdatedApril 21, 2026
Details
As Low As
APR7.50%
Last UpdatedApril 21, 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 21, 2026
Details
No additional details available.
ELLIS COUNTY TEACHERS AND EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
Personal Property NEW
7.50%
▼
APR7.50%
Last UpdatedApril 21, 2026
Details
UP TO 48 MONTHS
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 21, 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 21, 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 21, 2026
Details
As Low As
APR7.71%
Last UpdatedApril 21, 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 21, 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 21, 2026
Details
As Low As
APR7.75%
Last UpdatedApril 21, 2026
Details
As Low As
APR7.79%
Last UpdatedApril 21, 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 21, 2026
Details
10% Down
APR7.82%
Last UpdatedApril 21, 2026
Details
As Low As
APR7.84%
Last UpdatedApril 21, 2026
Details
As Low As
Cooperative Teachers Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.07%
Unsecured Personal Loan
7.89%
▼
APR7.89%
Last UpdatedApril 21, 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
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
7.90%
▼
APR7.90%
Last UpdatedApril 21, 2026
Details
10% Down
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedApril 21, 2026
Details
As Low As
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Signature
7.90%
▼
APR7.90%
Last UpdatedApril 21, 2026
Details
up to 60 months
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedApril 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans 12 months
7.90%
▼
APR7.90%
Last UpdatedApril 21, 2026
Details
As Low As
Transtar Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.74%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 21, 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
7.94%
▼
APR7.94%
Last UpdatedApril 21, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Any Time, Any Day Loan
7.95%
▼
APR7.95%
Last UpdatedApril 21, 2026
Details
No additional details available.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Anytime Any Day Loans
7.95%
▼
APR7.95%
Last UpdatedApril 21, 2026
Details
As Low As
APR7.95%
Last UpdatedApril 21, 2026
Details
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.
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Personal/Unsecured
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
(Fixed)
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Unsecured Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
No additional details available.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loan
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As; Select "Debt Consolidation" on your application.
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Hot Tub/Sauna Loans
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
As Low As
APR8.00%
Last UpdatedApril 21, 2026
Details
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
Union Square Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.88%
Flex Line Loan (12 - 60 Mo.)
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR8.00%
Last UpdatedApril 21, 2026
Details
No additional details available.
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
Up to 6 months
APR8.00%
Last UpdatedApril 21, 2026
Details
As Low As
Jackson County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Unsecured
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
up to $10,000; As Low As; Depends on total debt & credit history rates start at
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
up to $5,000; As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
up to $15,000
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
No additional details available.
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
As Low As
Edinburg Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
SPRING LOAN PROMO
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
April 1-30, 2026
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.05%
▼
APR8.05%
Last UpdatedApril 21, 2026
Details
5% Down
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Other Collateralized Loan
8.09%
▼
APR8.09%
Last UpdatedApril 21, 2026
Details
As Low As
Local 20 IBEW Federal Credit Union
Institution Rating:
D3.5 ★Texas Ratio: 32.83%
Loans above 72 months require approval by Board of Directors
8.15%
▼
APR8.15%
Last UpdatedApril 21, 2026
Details
5% Down
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.09%
Signature Loans
8.22%
▼
APR8.22%
Last UpdatedApril 21, 2026
Details
As Low As
APR8.24%
Last UpdatedApril 21, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
8.24%
▼
APR8.24%
Last UpdatedApril 21, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedApril 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedApril 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Personal Loans
10.49%
▼
APR10.49%
Last UpdatedApril 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX, 75041
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 21, 2026
Details
As Low As
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
PERSONAL LOAN
5.79%
▼
APR5.79%
Last UpdatedApril 21, 2026
Details
No additional details available.
Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Personal Loans
6.00%
▼
APR6.00%
Last UpdatedApril 21, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.87%
Personal Loans
6.70%
▼
APR6.70%
Last UpdatedApril 21, 2026
Details
24 months
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedApril 21, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 21, 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 21, 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 21, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
Unsecured Personal Loans
7.14%
▼
APR7.14%
Last UpdatedApril 21, 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 21, 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 21, 2026
Details
As Low As
APR7.71%
Last UpdatedApril 21, 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 21, 2026
Details
As Low As
APR7.84%
Last UpdatedApril 21, 2026
Details
As Low As
Cooperative Teachers Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 25.07%
Unsecured Personal Loan
7.89%
▼
APR7.89%
Last UpdatedApril 21, 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%
Personal Loan
7.90%
▼
APR7.90%
Last UpdatedApril 21, 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%
Personal Loans
7.90%
▼
APR7.90%
Last UpdatedApril 21, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedApril 21, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
As Low As
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★Texas Ratio: 8.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loan **
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
up to $15,000
APR8.24%
Last UpdatedApril 21, 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 Loan
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As; Select "Debt Consolidation" on your application.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Loans
7.99%
▼
APR7.99%
Last UpdatedApril 21, 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 21, 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 21, 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 21, 2026
Details
As Low As
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Debt Consolidation Loans
9.75%
▼
APR9.75%
Last UpdatedApril 21, 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 21, 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 21, 2026
Details
No additional details available.
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Debt Consolidation Unsecured Personal
10.99%
▼
APR10.99%
Last UpdatedApril 21, 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 21, 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 21, 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 21, 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 21, 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 21, 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 21, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX, 75044 2510
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedApril 21, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX, 75044 2510
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedApril 21, 2026
Details
No additional details available.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX, 75040
Signature
9.70%
▼
APR9.70%
Last UpdatedApril 21, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX, 75040
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 21, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX, 75040
Signature
10.15%
▼
APR10.15%
Last UpdatedApril 21, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX, 75044 2510
Signature Loan(closed-end loan)
10.74%
▼
APR10.74%
Last UpdatedApril 21, 2026
Details
No additional details available.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX, 75040
Signature
11.15%
▼
APR11.15%
Last UpdatedApril 21, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX, 75040
Signature
12.15%
▼
APR12.15%
Last UpdatedApril 21, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
5.00%
▼
APR5.00%
Last UpdatedApril 21, 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 21, 2026
Details
As Low As; Borrow up to $2,000 for up to 24 months.
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
6.00%
▼
APR6.00%
Last UpdatedApril 21, 2026
Details
As Low As; With Approved Credit
APR6.00%
Last UpdatedApril 21, 2026
Details
Months
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
Special Signature Rate
6.59%
▼
APR6.59%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR6.79%
Last UpdatedApril 21, 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 21, 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 21, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 21, 2026
Details
No additional details available.
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Lifestyle Signature Loans
7.00%
▼
APR7.00%
Last UpdatedApril 21, 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 21, 2026
Details
As Low As; With Approved Credit
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
7.24%
▼
APR7.24%
Last UpdatedApril 21, 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 21, 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 21, 2026
Details
$1,001; As Low As
APR7.29%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR7.39%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR7.49%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR7.79%
Last UpdatedApril 21, 2026
Details
No additional details available.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans 12 months
7.90%
▼
APR7.90%
Last UpdatedApril 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Signature Loans
7.90%
▼
APR7.90%
Last UpdatedApril 21, 2026
Details
As Low As
Bayou City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Signature
7.90%
▼
APR7.90%
Last UpdatedApril 21, 2026
Details
up to 60 months
Houston Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
Unsecured Signature Loan
7.99%
▼
APR7.99%
Last UpdatedApril 21, 2026
Details
No additional details available.
APR7.99%
Last UpdatedApril 21, 2026
Details
As Low As
Trinity Valley Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
No additional details available.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Signature Loans
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
up to $5,000; As Low As
Southwest Research Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Signature
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
As Low As
Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 21, 2026
Details
Up to 6 months
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.09%
Signature Loans
8.22%
▼
APR8.22%
Last UpdatedApril 21, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Unsecured / Signature Personal
8.24%
▼
APR8.24%
Last UpdatedApril 21, 2026
Details
As Low As
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MonitorBankRates
No home improvement personal loan rates found in Garland, TX currently.
Garland, TX Personal Loan Rate Trends
Compare local Garland, 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
10.773%
▲ 0.140 vs 7 days ago
Texas personal loan rates rose 0.140 points over the past 7 days to 10.773% APR.
Signature Loan — TX Avg
12.429%
▲ 0.199 vs 7 days ago
Texas signature loan rates rose 0.199 points over the past 7 days to 12.429% APR.
As of Apr 21, 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 Garland, 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 Garland, 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 Garland, 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 Garland, Texas?
Credit unions in Garland, 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 Garland, Texas?
- Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
- Resource One Credit Union: 6.59% (Adventure Loans)
- Randolph Brooks FCU: 9.70% (Signature)
- Tinker Federal Credit Union: 3.99% (Storm Shelter Loans)
- Houston Highway Credit Union: 4.00% (Credit Builder Step-Up Loan Process STEP 5)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Garland, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.
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