Best Personal Loan Rates in Kansas City, Kansas (KS) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Kansas City, Kansas include: KC Area Credit UnionKC Area Credit Union1401 Fairfax Trfy Ste 100E, Kansas City, KS, 66115 1415A+5.0 ★Texas Ratio: 1.93% offering K-9 Loan at 6.99% APR, KC FAIRFAXKC FAIRFAX104 Sunshine Rd, Kansas City, KS, 66115 1314A+5.0 ★Texas Ratio: 5.49% offering Signature Loans at 7.00% APR, Unity One Credit UnionUnity One Credit Union4150 Kansas Ave, Kansas City, KS, 66106A+5.0 ★Texas Ratio: 3.97% offering Signature & Lifestyle Loans Up to 12 Months at 8.24% APR, Liberty Bank and Trust CompanyLiberty Bank and Trust Company4850 State Ave, Kansas City, KS, 66102A5.0 ★Texas Ratio: 6.28% offering Freedom Fast Personal Loan at 9.00% APR, and Capitol Federal Savings BankCapitol Federal Savings Bank7600 State Ave, Kansas City, KS, 66112A+5.0 ★Texas Ratio: 1.06% offering Consumer Lot Loan at 9.44% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Kansas City has 8 local institutions in our database, with personal loan rates as low as 6.99% APR from KC Area Credit Union at 1401 Fairfax Trfy Ste 100E, Kansas City, KS, 66115 1415. 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 Kansas City, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Kansas City, Kansas. 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 9, 2026
This promo 'runs away' July 31, 2026.
As Low As
No additional details available.
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
Loan Amounts: $1,000 to $300,000; Maximum LTV: 75%
No additional details available.
No additional details available.
As Low As; *multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
Rates range from 11.00% to 18.00% Annual Percentage Rate (APR). No origination fee and no prepayment penalty. For example, if you get approved for a $10,000 loan at 12.99% APR for a term of 48 months, you'll pay just $270 per month with no origination fee. This example assumes that all payments are made on time.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
Rates range from 11.00% to 18.00% Annual Percentage Rate (APR). No origination fee and no prepayment penalty. For example, if you get approved for a $10,000 loan at 12.99% APR for a term of 48 months, you'll pay just $270 per month with no origination fee. This example assumes that all payments are made on time.
No additional details available.
Loan origination fee may apply. Purchase receipt required.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; Terms up to 36 months; Only sworn or certified first responders are eligible; Maximum loan amount - $5,000
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
up to $500
As Low As; Consumer Loan Special
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; up to 36 months based on credit score.
up to $500
As Low As
No additional details available.
As Low As
As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
As Low As
No additional details available.
LIMIT - $1,000.00
LIMIT - $1,000.00
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
up to $500
As Low As
As Low As
As Low As
No additional details available.
As Low As; Up to 12 months (Other rates up to 60 months)
Credit Score: 750 & higher; Limit: $5,000.00
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
up to $500
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
Credit Score: 700 - 749; Limit: $4,500.00
No additional details available.
As Low As
As Low As; Rate, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
As Low As
As Low As; Over $1000
No additional details available.
No additional details available.
No additional details available.
Credit Score: 650 - 699; Limit: $3,000.00
As Low As
As Low As
No additional details available.
As Low As; Up to $1000
Loan Amount: $7,500
No additional details available.
Credit Score: 600 - 649; Limit: $1,500.00
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Credit Score: 550 - 599; Limit: $1,000.00
Limit: $500.00
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
5% advance fee -up to $500
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
No additional details available.
As Low As
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
As Low As
As Low As; Consumer Loan Special
As Low As; up to 36 months based on credit score.
As Low As
As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; *multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
Rates range from 11.00% to 18.00% Annual Percentage Rate (APR). No origination fee and no prepayment penalty. For example, if you get approved for a $10,000 loan at 12.99% APR for a term of 48 months, you'll pay just $270 per month with no origination fee. This example assumes that all payments are made on time.
As Low As
No additional details available.
As Low As
No additional details available.
Rates range from 11.00% to 18.00% Annual Percentage Rate (APR). No origination fee and no prepayment penalty. For example, if you get approved for a $10,000 loan at 12.99% APR for a term of 48 months, you'll pay just $270 per month with no origination fee. This example assumes that all payments are made on time.
No additional details available.
up to $500
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
up to $500
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
up to $500
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As; Up to 12 months (Other rates up to 60 months)
As Low As
up to $500
As Low As
No additional details available.
As Low As; Over $1000
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Up to $1000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Kansas City, KS Personal Loan Rate Trends
Compare local Kansas City, KS 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.
Kansas personal loan rates rose 2.273 points over the past 7 days to 12.899% APR.
Kansas signature loan rates rose 1.795 points over the past 7 days to 12.304% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Kansas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Kansas?
Are credit unions or banks better for personal loans in Kansas City, Kansas?
What are the best personal loan rates in Kansas City, Kansas?
- KC Area Credit Union: 6.99% (K-9 Loan)
- KC FAIRFAX: 7.00% (Signature Loans)
- Unity One Credit Union: 8.24% (Signature & Lifestyle Loans Up to 12 Months)
- Liberty Bank and Trust Company: 9.00% (Freedom Fast Personal Loan)
- Capitol Federal Savings Bank: 9.44% (Consumer Lot Loan)
Personal Loan Calculators
