Personal Loans in Waco, TX

Looking for a personal loan in Waco, TX? Compare offers from trusted local lenders to find the best rates and terms that fit your budget. Getting the right loan is easier when you explore your options side by side.

Whether you need cash for an emergency or a special project, local loan places in Waco offer fast, friendly service. Start comparing today and borrow with confidence from lenders who know and support your community.

Filters

Lender
APR
Term
Amount
Link
Info
bcu
4.64 - 8.49 %
truwest
4.87 - 6.17 %
penfed
6.09 - 17.99 %
5 Yrs
$50,000
affinityplus
6.24 - 15.24 %
0.8 - 10 Yrs
2,500 - $20,000
etpcu
6.75 - 18 %
firsttechfed
6.99 - 13.65 %
2 - 7 Yrs
35,000 - $50,000
bvscu
7 - 18 %
5 Yrs
tdecu
7.14 - 9.74 %
1 - 7 Yrs
10,000 - $50,000
myncu
7.14 - 18 %
3.1 - 4 Yrs
soarion
7.69 - 8.19 %
5 Yrs

Today’s Personal Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Baxter's personal loan has a 7.49% APR today, which is up from 6.99% thirty and sixty days ago but unchanged from seven days ago. The credit builder loan remains steady at 4.5% APR with no changes in the past 30 days. Truwest's Personal line of credit has a 4.87% APR today, which is lower than the 14% rate from 7, 30, and 60 days ago. This rate change shows a significant drop compared to the past two months. Pentagon's personal loans with an APR of 6.09% today, unchanged from it was 7 and 30 days ago. This rate has remained steady over the past month.

Affinity Plus has a Credit builder loan with an APR of 6% , which has stayed the same over the past 7, 30, 60, and 90 days. Their Homeowner debt consolidation loan is at 6.99% APR today, down from 7.74% seven days ago but unchanged from 30, 60, and 90 days ago. East Texas Professional's personal loans with an APR of 8.95% , which has stayed the same over the past 7 and 30 days. Their credit builder loans have a 6% APR, also unchanged from one week and one month ago.

First Technology's Fixed–rate loan has an APR of 6.99% , which has stayed the same over the past 7, 30, 60, and 90 days. The Personal line of credit carries an APR of 12.5% , also unchanged from 7 and 30 days ago. Brazos Valley Schools has a Summer/holiday loan with an APR of 7% , which has stayed the same over the past 7 and 30 days. Their Signature loan and Line of credit both have an APR of 9% , also unchanged from one week and one month ago. Texas Dow Employees has a Personal loan with an APR of 7.14% , which has stayed the same over the past 7, 30, 60, and 90 days. The Cash $tash line of credit has a steady APR of 9.74% during the same periods. Both rates have not changed recently.

Neighborhood's unsecured personal loans with an APR of 7.14% , which has stayed the same over the past 7, 30, 60, and 90 days. Their personal loans plus have a fixed APR of 9.49% , also unchanged during these periods. Both loan types provide consistent rates without recent increases or decreases. Soarion's Signature loan has an APR of 7.69% today, unchanged from it was 7, 30, 60, and 90 days ago. This rate has remained steady over the past three months.

🏦 All Local Lenders in Waco, TX

Lender NameBranch AddressOffice ServicesLender Snapshot
HEART O' TEXAS FEDERAL CREDIT UNION
7412 MAEHR RD WACO TX 76705
ATM
Drive-Thru
P2P
E-Statements
Assets: $60,212,853
Deposits: $1,336,516
Net Worth: $4,005,043
Employees: 24
Members: 5,752
MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION
845 NEW DALLAS HWY WACO TX 76705
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $207,093,709
Deposits: $13,261,906
Net Worth: $32,249,737
Employees: 51
Members: 19,341
EDUCATORS CREDIT UNION
100 BOLLING DR WACO TX 76705
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $545,894,678
Deposits: $81,867,679
Net Worth: $102,377,994
Employees: 50
Members: 27,838
FIRST CENTRAL CREDIT UNION
3100 BELLMEAD DR WACO TX 76705
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $168,681,567
Deposits: $12,723,279
Net Worth: $26,118,117
Employees: 72
Members: 19,844
GENCO FEDERAL CREDIT UNION
1500 N LOOP 340 WACO TX 76705
ATM
Drive-Thru
P2P
E-Statements
E-Signature
Assets: $444,066,893
Deposits: $55,963,796
Net Worth: $56,824,780
Employees: 99
Members: 39,428

🏘️ All the Lenders Available in McLennan County, TX

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