Best Personal Loan Rates in Waco, Texas (TX) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Waco, Texas include: Mclennan County Employees Federal Credit UnionMclennan County Employees Federal Credit Union215 N 5th St Ste 224, Waco, TX, 76701 1364A+5.0 ★Texas Ratio: 0.00% offering Signature Loan at 5.00% APR, Texell Credit UnionTexell Credit Union1221 Hewitt Dr, Waco, TX, 76712 8896A+5.0 ★Texas Ratio: 3.58% offering Land Loan 5-year Fixed at 6.99% APR, Allied Plastics Federal Credit UnionAllied Plastics Federal Credit Union5213 Lake Shore Dr, Waco, TX, 76710 1732A5.0 ★Texas Ratio: 6.28% offering Recreational Loans at 7.25% APR, Members Choice of Central Texas Federal Credit UnionMembers Choice of Central Texas Federal Credit Union4631 W Waco Dr, Waco, TX, 76710A+5.0 ★Texas Ratio: 0.18% offering Personal Loans at 8.75% APR, and 1st University Credit Union1st University Credit Union24 La Salle Ave unit C, Waco, TX, 76706A5.0 ★Texas Ratio: 7.48% offering Unsecured Personal Loan at 9.25% APR. Personal loan rates as of April 14, 2026 according to verified data from MonitorBankRates.
Waco has 11 local institutions in our database, with personal loan rates as low as 5.00% APR from Mclennan County Employees Federal Credit Union at 215 N 5th St Ste 224, Waco, TX, 76701 1364. 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 Waco, Texas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Waco, 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 14, 2026
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As
As Low As; With Approved Credit
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Personal Loans available up to 10% of your annual income $10,000 maximum - whichever is less.
As Low As
Maximum Amount: $801 - $30,000
As Low As
As Low As
As Low As
No additional details available.
$45.00 admin fee No application fee and no prepayment penalty
Maximum Amount: $800 and Below
No additional details available.
No additional details available.
No additional details available.
As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
20% down
As Low As
As Low As; No pay for 90 days; Easy financing
No additional details available.
No additional details available.
As Low As; Restrictions Apply
As Low As
No additional details available.
As Low As
balance $20,000
As Low As
As Low As; Months
No additional details available.
As Low As
A+ rating
No additional details available.
As Low As; Subject to credit approval
No additional details available.
48 TO 72 MOS*SAME AS NEW CARS
No additional details available.
balance $75,000
As Low As
No additional details available.
10% down
As Low As
As Low As
No additional details available.
As Low As
As Low As; No Refinancing of existing loans; Rate based on Credit Score; Limited to one loan special every 90 days
As Low As; Borrow up to $2,000 for up to 24 months.
No additional details available.
balance $75,000
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
balance $75,000
As Low As; Minimum holiday loan amount $350, maximum determined by credit qualifications up to $15,000.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Up to 70%
No additional details available.
As Low As
No additional details available.
No additional details available.
Months
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.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
48 TO 60 MOS*SAME AS USED CARS
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As; Regular APR: 10.090%
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Loyalty Plus & Online Application Discount
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As; Up to 60 Months
As Low As
As Low As; 71% to 80%
No additional details available.
As Low As
As Low As
No additional details available.
CONTACT LOAN DEPARTMENT FOR DETAILS
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As; months or less
As Low As
As Low As
As Low As
As Low As
$1,001; As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
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.
No additional details available.
As Low As; 81% to 90%
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; Borrow up to $15K for 120 Months
UP TO 48 MONTHS
As Low As
As Low As
As Low As; months
As Low As; Up to $35,000 ($1,000 minimum)
As Low As
As Low As
As Low As
No additional details available.
10% Down
As Low As
As Low As
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
As Low As
As Low As; Up to $35,000 ($1,000 minimum)
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.
As Low As
As Low As
up to 60 months
10% Down
As Low As
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.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Personal Loans available up to 10% of your annual income $10,000 maximum - whichever is less.
As Low As
As Low As
As Low As
Maximum Amount: $800 and Below
A+ rating
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As; months or less
As Low As
As Low As; months
As Low As; Up to $35,000 ($1,000 minimum)
As Low As
As Low As
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
As Low As
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.
As Low As; Up to $35,000 ($1,000 minimum)
As Low As
As Low As; Select "Debt Consolidation" on your application.
As Low As; Other terms available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
No additional details available.
As Low As; Interest rate discounts may be available for members with a qualifying IBEW Local 66 Federal Credit Union checking account.
As Low As; Borrow up to $2,000 for up to 24 months.
Months
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
$1,001; As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
up to 60 months
As Low As
As Low As
Waco, TX Personal Loan Rate Trends
Compare local Waco, 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 currently average 10.632% APR.
Texas signature loan rates fell 0.184 points over the past 7 days to 12.230% 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 Waco, Texas?
What are the best personal loan rates in Waco, Texas?
- Mclennan County Employees Federal Credit Union: 5.00% (Signature Loan)
- Texell Credit Union: 6.99% (Land Loan 5-year Fixed)
- Allied Plastics Federal Credit Union: 7.25% (Recreational Loans)
- Members Choice of Central Texas Federal Credit Union: 8.75% (Personal Loans)
- 1st University Credit Union: 9.25% (Unsecured Personal Loan)
Personal Loan Calculators
