Best Personal Loan Rates in Irving, Texas - July 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 Irving, Texas include: Resource One Credit UnionResource One Credit Union2315 W Airport Fwy, Irving, TX, 75062B+4.7 ★Texas Ratio: 15.58% offering Adventure Loans at 6.59% APR, Texas Trust Credit UnionTexas Trust Credit Union7255 State Highway 161, Irving, TX, 75039A5.0 ★Texas Ratio: 7.10% offering Personal Loans at 9.99% APR, CitiCiti6460 Las Colinas Blvd, Irving, TX, 75039A+5.0 ★Texas Ratio: 3.03% offering Personal Loan at 9.99% APR, Mobility Credit UnionMobility Credit Union8384 N Belt Line Rd, Irving, TX, 75063 6006A5.0 ★Texas Ratio: 11.85% offering Personal Loans at 10.99% APR, and City of Deer Park Federal Credit UnionCity of Deer Park Federal Credit UnionA+5.0 ★Texas Ratio: 0.18% offering Credit Rating A+ 0-48 Months Loan at 3.99% APR. Personal loan rates as of July 27, 2026 according to verified data from MonitorBankRates.
Irving has 4 local institutions in our database, with personal loan rates as low as 6.59% APR from Resource One Credit Union at 2315 W Airport Fwy, Irving, TX, 75062. 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 Irving, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Irving, Texas. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: July 27, 2026
Irving Personal Loan Rates
As Low As
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Rates are subject to change.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
Rates as low as 9.99% APR, which includes a 0.5% discount for enrolling in automatic payments. Your APR may be as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As
0.00 APR that includes an application fee
0.00 APR that includes an application fee
As Low As; An APR of 25.00% will be applied. Loan cannot exceed $2,000 with a term not exceeding 12 months. A fee of $20 will be charged for each loan application, whether the loan is approved or declined.
No additional details available.
No additional details available.
No additional details available.
Intro Rate. Paycheck Perks makes it easy for you to save big, with a highly competitive savings rate.
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
No additional details available.
No additional details available.
Fixed
As Low As*
No additional details available.
Starting At
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
No additional details available.
No additional details available.
No additional details available.
As Low As; Limited-time offer.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
As Low As; Model Year New - 2025
As Low As; Model Year New - 2025
No additional details available.
No additional details available.
As Low As; Call the credit union for loan promotion rates
No additional details available.
No additional details available.
No additional details available.
As Low As; Model Year New - 2025
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
As Low As
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+; Minimum $10,000
Monthly Payment per $10,000 Borrowed as low as $189.87
No additional details available.
As Low As; Model Year 2024 - 2021
No additional details available.
As Low As; Model Year New - 2025; Extended terms must meet credit & collateral qualifications.
As Low As; Model Year 2024 - 2021
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Model Year 2020 - 2016
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
No additional details available.
No additional details available.
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
Borrow up to $2,000
As Low As; Model Year 2020 - 2016
As Low As; Model Year 2024 - 2021
No additional details available.
No additional details available.
No additional details available.
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Monthly Payment per $10,000 Borrowed as low as $109.78
No additional details available.
Up to 60 months
As Low As; Model Year 2020 - 2016
As Low As; One-Time Close Construction
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
No additional details available.
No additional details available.
LTV: Up to 70%
No additional details available.
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
As Low As; Model Year 2024 - 2021; Extended terms must meet credit & collateral qualifications.
No additional details available.
No additional details available.
As Low As; Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months
+2.00% above Share Savings Dividend Rate*
Tier 1 >700
No additional details available.
6.00% above TSC rate
up to $50,000.00
APR*
No additional details available.
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
As Low As
As Low As
APR*
No additional details available.
72 Months**
No additional details available.
No additional details available.
Tier 1 >700
No additional details available.
No additional details available.
No additional details available.
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
No additional details available.
Vehicle Rates; Tier Level: A+; Equifax Score: 750+
As Low As
Vehicle Rates; Tier Level: A; Equifax Score: 700-749; Minimum $10,000
As Low As; More rate info
As Low As; Model Year 2020 - 2016; Extended terms must meet credit & collateral qualifications.
No additional details available.
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
Up to 48 months
No additional details available.
No additional details available.
No additional details available.
Discount up to 1.50%*
As Low As
Tier 1 >700
No additional details available.
Fixed rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
As low as
As Low As; Loan Amount: $500 - $25,000
interest only with remaining accrued interest and principal due at maturity
Variable rates. Lowest rates shown include the auto debit discount. No origination fee or prepayment penalty.
As Low As; Investment Property
As Low As; Investment Property
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
72 Months**
Vehicle Rates; Tier Level: A; Equifax Score: 700-749
Includes RVs, Travel Trailers, 5th Wheels, Motorcycles, Watercraft, Off-Road Vehicels & Trailers
Vehicle Rates; Tier Level: B; Equifax Score: 660-699; Minimum $10,000
No additional details available.
As low as 15% down**
Credit Tier: 740 or greater
No additional details available.
base rate
No additional details available.
Irving Personal Loan Rates
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Rates are subject to change.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
Rates as low as 9.99% APR, which includes a 0.5% discount for enrolling in automatic payments. Your APR may be as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. If you are in default, your APR may increase by 2.00%. Rates subject to change without notice.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As; Maximum loan rate up to 18.00% APR. First payment is due within 45 days of funding the loan. Rates as of July 11, 2026. Rates are subject to change without notice.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; Loan Amount: $500 - $25,000
No additional details available.
Credit Tier: 740 or greater
Irving Debt Consolidation Loan Rates
No additional details available.
As Low As
No additional details available.
Maximum APR: 18.00%
As Low As; *Effective 3/1/2023 Rates subject to change without notice.
Maximum APR: 18.00%
As low as**
No additional details available.
Irving Signature Loan Rates
Borrow up to $2,000
No additional details available.
Irving, TX Personal Loan Rate Trends
Compare local Irving, TX personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Texas personal loan rates fell 0.056 points over the past 7 days to 10.699% APR.
Texas signature loan rates fell 0.071 points over the past 7 days to 12.098% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Irving, Texas personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Irving, Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Irving, Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Texas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Texas?
Are credit unions or banks better for personal loans in Irving, Texas?
What are the best personal loan rates in Irving, Texas?
- Resource One Credit Union: 6.59% (Adventure Loans)
- Texas Trust Credit Union: 9.99% (Personal Loans)
- Citi: 9.99% (Personal Loan)
- Mobility Credit Union: 10.99% (Personal Loans)
- City of Deer Park Federal Credit Union: 3.99% (Credit Rating A+ 0-48 Months Loan)
Personal Loan Calculators
