Best Personal Loan Rates in Lawrence, Kansas (KS) - 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 Lawrence, Kansas include: Emprise BankEmprise Bank1121 Wakarusa Dr, Lawrence, KS, 66049A+5.0 ★Texas Ratio: 0.30% offering Personal Loan at 9.79% APR, Mainstreet Federal Credit UnionMainstreet Federal Credit Union1001 E 23rd St, Lawrence, KS, 66046 5003A+5.0 ★Texas Ratio: 1.79% offering Signature/Personal Loans Signature at 10.75% APR, Mid American Credit UnionMid American Credit Union550 N Wakarusa Dr, Lawrence, KS, 66049A+5.0 ★Texas Ratio: 5.01% offering Signature Loans Unsecured at 10.90% APR, Premier Members Credit UnionPremier Members Credit Union650 Congressional Dr, Lawrence, KS, 66049A+5.0 ★Texas Ratio: 4.73% offering Signature Loan 24 Months at 11.00% APR, and Envista Federal Credit UnionEnvista Federal Credit Union1555 Wakarusa Dr, Lawrence, KS, 66047 1803A+5.0 ★Texas Ratio: 2.83% offering Personal Loans at 15.07% APR. Personal loan rates as of April 14, 2026 according to verified data from MonitorBankRates.
Lawrence has 5 local institutions in our database, with personal loan rates as low as 9.79% APR from Emprise Bank at 1121 Wakarusa Dr, Lawrence, KS, 66049. 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 Lawrence, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lawrence, 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 14, 2026
As Low As
As Low As; Up to 36 months
As Low As
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.
As Low As; Up to 48 months
As Low As; Up to 60 months
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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.
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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.
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No additional details available.
This promo 'runs away' July 31, 2026.
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"A" APR
As Low As
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As Low As
No additional details available.
up to $500
As Low As; Consumer Loan Special
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No additional details available.
As Low As; up to 75%
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As Low As
As Low As; up to 75%
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As Low As
As Low As; up to 36 months based on credit score.
up to $500
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As Low As
As Low As; Rate based on creditworthiness and term of loan.
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LIMIT - $1,000.00
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LIMIT - $1,000.00
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As Low As
up to $500
No additional details available.
As Low As
As Low As; *multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
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As Low As
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Credit Score: 750 & higher; Limit: $5,000.00
Credit Score A - 750 & higher
As Low As
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up to $500
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Credit Score: 700 - 749; Limit: $4,500.00
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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.
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As Low As
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As Low As; Over $1000
Credit Score B - 700 - 749
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Up to $5,000; As Low As
$5,000; As Low As
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Credit Score: 650 - 699; Limit: $3,000.00
No additional details available.
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"B" APR
No additional details available.
As Low As; Up to $1000
As Low As
No additional details available.
Loan Amount: $7,500
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Credit Score: 600 - 649; Limit: $1,500.00
No additional details available.
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As Low As
Credit Score C - 650 - 699
No additional details available.
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"C" APR
No additional details available.
Credit Score: 550 - 599; Limit: $1,000.00
Limit: $500.00
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Credit Score D - 600 - 649
As Low As
As Low As
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"D" APR
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5% advance fee -up to $500
As Low As
As Low As; Up to 36 months
As Low As; Up to 48 months
As Low As; Up to 60 months
As Low As
As Low As
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As Low As
As Low As
As Low As; Consumer Loan Special
No additional details available.
No additional details available.
As Low As; up to 36 months based on credit score.
As Low As; Rate based on creditworthiness and term of loan.
No additional details available.
No additional details available.
As Low As
As Low As
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As Low As
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As Low As
As Low As; Up to 36 months
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.
As Low As; Up to 48 months
As Low As; Up to 60 months
No additional details available.
No additional details available.
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.
As Low As
"A" APR
As Low As
As Low As
No additional details available.
up to $500
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No additional details available.
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No additional details available.
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As Low As
up to $500
No additional details available.
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As Low As
No additional details available.
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As Low As
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No additional details available.
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As Low As
up to $500
As Low As
As Low As
As Low As; *multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
As Low As
As Low As
Credit Score A - 750 & higher
As Low As
As Low As
As Low As
up to $500
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As; Over $1000
Credit Score B - 700 - 749
$5,000; As Low As
Up to $5,000; As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
"B" APR
As Low As; Up to $1000
No additional details available.
No additional details available.
No additional details available.
Credit Score C - 650 - 699
No additional details available.
"C" APR
No additional details available.
Credit Score D - 600 - 649
"D" APR
No additional details available.
Lawrence, KS Personal Loan Rate Trends
Compare local Lawrence, 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 currently average 12.913% APR.
Kansas signature loan rates currently average 11.965% 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 Lawrence, Kansas?
What are the best personal loan rates in Lawrence, Kansas?
- Emprise Bank: 9.79% (Personal Loan)
- Mainstreet Federal Credit Union: 10.75% (Signature/Personal Loans Signature)
- Mid American Credit Union: 10.90% (Signature Loans Unsecured)
- Premier Members Credit Union: 11.00% (Signature Loan 24 Months)
- Envista Federal Credit Union: 15.07% (Personal Loans)
Personal Loan Calculators
