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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:
Educators's an unsecured personal loan with an APR of 10.9% , which has stayed the same over the past 7, 30, and 60 days. Their credit rebuilder loan and rapid relief loan both have an APR of 19.9% , also unchanged from a week and two months ago. Red River Employees has a Money line / line of credit with an APR of 11.3% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Unsecured personal loans carry an APR of 13.3% , also unchanged during those periods.
Technology has a personal loan with an APR of 11.49% . This rate has stayed the same compared to 7, 30, 60, and 90 days ago. The consistent rate applies regardless of the loan term. Meriwest has a Personal loan with an APR of 11.55% , which has stayed the same over the past 7 and 30 days. The Go solar loan has a rate of 8.6% , also unchanged from one week and one month ago. Both rates have remained steady compared to 60 and 90 days ago. Affinity's personal loans with an APR of 11.75% , which has stayed the same over the past 7, 30, 60, and 90 days. Their debt consolidation loan has a fixed APR of 12.75% , also unchanged during these periods.
Digital has a Signature personal loan with an APR of 11.99% . This rate has stayed the same compared to 7, 30, 60, and 90 days ago. The consistent rate makes it easy to understand the cost over time. First Technology's Fixed–rate loan has an APR of 11.99% today, which is higher than the 6.99% rate from 7, 30, 60, and 90 days ago. The Personal line of credit shows a slight decrease to 12.49% from 12.5% over the past 7, 30, and 60 days. First Service's Personal loan has an APR of 11.99% today, unchanged from it was 60 and 90 days ago. There's no change in the rate compared to a month ago.
America First's personal loans with an APR of 12.49% , which has stayed the same over the past 7, 30, 60, and 90 days. Their line of credit has a fixed APR of 16.49% , also unchanged during these time frames. Greater Texas has a Helping hand loan and a Personal loan, both with an APR of 12.99% today. These rates have stayed the same compared to 7, 30, 60, and 90 days ago.