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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:
First Community's personal loans with an APR of 9.99% , which has stayed the same over the past 7 and 30 days. Their debt consolidation loans have a fixed APR of 11.49% , also unchanged from one week and one month ago. Firstmark Personal loans have a fixed APR of 9.99% today, unchanged from it was 7 days ago. There is no change in the rate compared to the past week. Rally's personal loan rates for signature and line of credit loans are 9.99% APR today, down from 12.5% seven days ago. There is no data for 30 or more days ago for comparison.
Randolph Brooks has a Signature loan with an APR of 10% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Line of credit has a 11.2% APR, also unchanged during these time periods. Truity's Advantage personal 65 loan has an APR of 10.25% , which has stayed the same over the past 7, 30, 60, and 90 days. The Personal 30 loan carries an APR of 11.75% , also unchanged during those periods. Rave Financial's personal loan has an APR of 10.25% , which is unchanged from 7 and 30 days ago but lower than 60 and 90 days ago when it was 12% . The flexible line of credit has a steady APR of 11.75% , with no change over the past 7, 30, or 90 days.
Texas Bay's Signature loans with an APR of 10.49% today. This rate has stayed the same compared to 7, 30, 60, and 90 days ago. Barksdale has a Personal line of credit with an APR of 10.5% , which has stayed the same over the past 7, 30, 60, and 90 days. The Signature loan has a fixed APR of 11.9% , also unchanged during those periods. Nusenda has a Personal loan with an APR of 10.5% , which has stayed the same over the past 7, 30, 60, and 90 days. The Personal line of credit has a 13% APR, also unchanged during these periods. The Personal assistance loan carries a 20% APR, with no change from a week to three months ago.
Velocity's personal loans with an APR of 10.74% and lines of credit at 11.49% . Both rates have stayed the same compared to 7, 30, 60, and 90 days ago. These steady rates apply to all terms for each product.