Best Personal Loan Rates in West Des Moines, Iowa (IA) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in West Des Moines, Iowa include: First Class Community Credit UnionFirst Class Community Credit Union2051 Westown Pkwy, West Des Moines, IA, 50265 1541A+5.0 ★Texas Ratio: 1.71% offering Recreational Loans at 7.25% APR, Collins Community Credit UnionCollins Community Credit Union6260 Mills Civic Pkwy, West Des Moines, IA, 50266 8004B-4.3 ★Texas Ratio: 23.97% offering Credit Builder Loan at 8.50% APR, Greater Iowa Credit UnionGreater Iowa Credit Union1630 22nd St, West Des Moines, IA, 50266 1407A5.0 ★Texas Ratio: 8.63% offering Personal Loans at 8.99% APR, Marine Credit UnionMarine Credit Union909 9th St, West Des Moines, IA, 50265A-4.9 ★Texas Ratio: 16.80% offering Unsecured Loan at 12.11% APR, and Midwest Heritage BankMidwest Heritage Bank3580 Ep True Pkwy, West Des Moines, IA, 50265A+5.0 ★Texas Ratio: 0.99% offering Personal/Unsecured Loan at 13.97% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
West Des Moines has 5 local institutions in our database, with personal loan rates as low as 7.25% APR from First Class Community Credit Union at 2051 Westown Pkwy, West Des Moines, IA, 50265 1541. 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 West Des Moines, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in West Des Moines, Iowa. 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 19, 2026
As Low As; 2024 or Newer
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Loan Amount: $7,500
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As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
$35,000
Credit Score: 700+
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$35,000
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No additional details available.
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As Low As; Money for anything you can imagine. (Fixed term)
Unsecured Limit: $20K
As Low As; * Actual Rate you receive is based on your credit score and term.
As Low As; Rate based on creditworthiness and term of loan.
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No additional details available.
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Unsecured Limit: $20K
As Low As; UP TO 12 MONTHS
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As Low As; 9.99 to 24.99
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As Low As; 13 TO 36 MONTHS
Unsecured Limit: $20K
Floor 6.75%
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Unsecured Limit: $20K
No additional details available.
As Low As; 24 MONTH REVIEW
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$5,000
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APR (Rate is based on credit score and automatic payment)
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Rates are stated as Annual Percentage Rate (APR). The APR you receive depends on credit history, loan term, loan amount, and other factors using DuTrac's standard credit underwriting and creditworthiness criteria. Rates are subject to change without notice. All loans are subject to approval. Personal Loan example: 48 months at 11.84%; 48 payments at $26.26 per $1,000 borrowed; Payments are monthly. Does apply to real estate, home equity or business loans. Membership with DuTrac is required.
Over $1,000
Up to $1,000
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Unsecured Limit: $20K
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Regular APR: 14.74% - 24.74%
No additional details available.
Click here for important product information.
No additional details available.
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As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
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Unsecured Limit: $20K
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Unsecured Limit: $20K
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Unsecured Limit: $20K
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Unsecured Limit: $20K
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Rates are stated as Annual Percentage Rate (APR). The APR you receive depends on credit history, loan term, loan amount, and other factors using DuTrac's standard credit underwriting and creditworthiness criteria. Rates are subject to change without notice. All loans are subject to approval. Personal Loan example: 48 months at 11.84%; 48 payments at $26.26 per $1,000 borrowed; Payments are monthly. Does apply to real estate, home equity or business loans. Membership with DuTrac is required.
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Unsecured Limit: $20K
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No additional details available.
As Low As; * Actual Rate you receive is based on your credit score and term.
As Low As; UP TO 12 MONTHS
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As Low As; 9.99 to 24.99
No additional details available.
As Low As; 13 TO 36 MONTHS
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As Low As; 24 MONTH REVIEW
No additional details available.
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APR (Rate is based on credit score and automatic payment)
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No additional details available.
No additional details available.
Regular APR: 14.74% - 24.74%
West Des Moines, IA Personal Loan Rate Trends
Compare local West Des Moines, IA 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.
Iowa personal loan rates rose 0.012 points over the past 7 days to 11.265% APR.
Iowa signature loan rates rose 0.657 points over the past 7 days to 11.786% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Iowa?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Iowa?
Are credit unions or banks better for personal loans in West Des Moines, Iowa?
What are the best personal loan rates in West Des Moines, Iowa?
- First Class Community Credit Union: 7.25% (Recreational Loans)
- Collins Community Credit Union: 8.50% (Credit Builder Loan)
- Greater Iowa Credit Union: 8.99% (Personal Loans)
- Marine Credit Union: 12.11% (Unsecured Loan)
- Midwest Heritage Bank: 13.97% (Personal/Unsecured Loan)
Personal Loan Calculators
