Filters
Baxter Credit Union and Lifetime Credit Union each have a branch in Richardson. They appear in the rate table below, which lists personal loans in Richardson, TX 75082 and lenders serving Collin County. This is a complete list of local institutions with branches here.
Unsecured personal loans have higher rates because they lack collateral. If payments stop, the lender cannot seize property but can report missed payments to credit bureaus and pursue collection actions. This increases risk and influences the rate offered on loans in Collin County.
Today’s Personal Loan Rates & Analysis - Updated on 2026-SEP-23
Credit Union Loan Rates - Trends & Analysis:
Houston's Loan special rates starting at 9.5% APR, which have stayed the same over the past 7, 60, and 90 days. Signature loans have a fixed APR of 10.5% , with no change in the last 7, 30, 60, or 90 days. Community Resource has a Personal or signature loan with an APR of 9.74% , which has stayed the same over the past 7, 30, 60, and 90 days. The Debt consolidation loan has a fixed APR of 10.99% , also unchanged during those periods. Smart Financial's Personal & signature loans have a 9.74% APR today, unchanged from 7, 30, and 60 days ago but higher than 90 days ago. The Revolving line of credit has a 11.99% APR now, steady over the past 90 days except for a lower rate 90 days ago.
A+ has a personal loan with a 9.74% APR today, which is unchanged from 7 and 30 days ago but higher than the 9.49% rate seen 30, 60, and 90 days ago. The preferred line of credit also has a 9.74% APR that has stayed steady over the past 90 days. Advancial's personal loans with a Signature loan and a True line of credit, both at a 9.9% APR today. These rates have stayed the same compared to 7, 30, 60, and 90 days ago. Austin Telco's Signature loans have a fixed APR of 9.9% today. This rate has not changed compared to 7 or 30 days ago.
Fedex Employees Credit Association has a Signature loan with an APR of 9.99% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Line of credit has a 10.99% APR, also unchanged during those time frames. Farmers Insurance's Signature loan has a 9.99% APR today, unchanged from 7, 30, 60, and 90 days ago. The Signature line of credit is at 10.74% APR, steady over the past 7, 30, and 60 days but lower than 90 days ago when it was 11.24% . Dupaco Community has a personal loan with an APR of 9.99% . This rate has stayed the same compared to 7, 30, 60, and 90 days ago. The consistent rate provides a clear picture of the loan's cost over time.
California Adventist's personal loans with a regular rate of 9.99% APR and a credit builder rate of 15.99% APR. Both rates are unchanged from 7 and 30 days ago. These rates provide clear depending on your credit needs.