Best Personal Loan Rates in Osage City, Kansas (KS) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Kansas borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Osage City, Kansas include: Farmway Credit UnionFarmway Credit UnionA+5.0 ★Texas Ratio: 3.99% offering Recreational Loans at 4.15% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Public Safety Credit UnionPublic Safety Credit UnionA+5.0 ★Texas Ratio: 1.02% offering Gun Loans at 4.99% APR, County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 3.78% offering Signature (Personal) at 4.99% APR, and Crossroads Credit UnionCrossroads Credit UnionA5.0 ★Texas Ratio: 9.01% offering Agriculture Loans at 5.75% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Osage City borrowers have access to 51 lenders serving the Kansas area, with personal loan rates as low as 4.15% APR from Farmway Credit Union. 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 Osage City, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Osage 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 19, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR4.15%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR4.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR4.64%
Last UpdatedApril 19, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 19, 2026
Details
As Low As
APR4.99%
Last UpdatedApril 19, 2026
Details
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.
APR4.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR5.75%
Last UpdatedApril 19, 2026
Details
As Low As
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
Storm Shelter Loan
5.99%
▼
APR5.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Other Loans
6.75%
▼
APR6.75%
Last UpdatedApril 19, 2026
Details
As Low As
APR6.83%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 19, 2026
Details
This promo 'runs away' July 31, 2026.
APR6.99%
Last UpdatedApril 19, 2026
Details
As Low As
APR7.00%
Last UpdatedApril 19, 2026
Details
As Low As
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 12 Months
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Miscellaneous Personal Property (without perfected lien)
8.49%
▼
APR8.49%
Last UpdatedApril 19, 2026
Details
As Low As
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR8.50%
Last UpdatedApril 19, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 19, 2026
Details
up to $500
APR8.62%
Last UpdatedApril 19, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 12 months
8.65%
▼
APR8.65%
Last UpdatedApril 19, 2026
Details
No additional details available.
Roberts Dairy Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Garden City Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR9.11%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.21%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 24 months
9.30%
▼
APR9.30%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR9.39%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR9.50%
Last UpdatedApril 19, 2026
Details
up to $500
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 24 Months
9.74%
▼
APR9.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.79%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 19, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
APR9.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR9.99%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
C&R Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
BACK TO SCHOOL LOAN SPECIAL
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
LIMIT - $1,000.00
APR10.00%
Last UpdatedApril 19, 2026
Details
LIMIT - $1,000.00
Garden City Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Signature Loans
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
Personal & Seasonal
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 36 months
10.15%
▼
APR10.15%
Last UpdatedApril 19, 2026
Details
No additional details available.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 36 Months
10.24%
▼
APR10.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Kansas Teachers Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Signature
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.41%
SIGNATURE UNSECURED
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.50%
Last UpdatedApril 19, 2026
Details
up to $500
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 36 months
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Signature Loans Unsecured
10.90%
▼
APR10.90%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.90%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As; *multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Seasonal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 19, 2026
Details
Credit Score: 750 & higher; Limit: $5,000.00
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Signature
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
Sunflower Community Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
Credit Score A - 750 & higher
Garden City Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Signature Loan3
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Signature Unsecured Loan
11.15%
▼
APR11.15%
Last UpdatedApril 19, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 48 months
APR11.50%
Last UpdatedApril 19, 2026
Details
up to $500
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Personal Loans
11.55%
▼
APR11.55%
Last UpdatedApril 19, 2026
Details
No additional details available.
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Unsecured Personal Loans
11.55%
▼
APR11.55%
Last UpdatedApril 19, 2026
Details
No additional details available.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 48 Months
11.74%
▼
APR11.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 60 months
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Personal Loans
11.88%
▼
APR11.88%
Last UpdatedApril 19, 2026
Details
No additional details available.
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Unsecured Personal Loans
11.88%
▼
APR11.88%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 48 months
11.95%
▼
APR11.95%
Last UpdatedApril 19, 2026
Details
No additional details available.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Seasonal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 19, 2026
Details
Credit Score: 700 - 749; Limit: $4,500.00
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Signature Loan
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
As Low As
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Signature Loan3
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 19, 2026
Details
As Low As
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Unsecured Loans
12.14%
▼
APR12.14%
Last UpdatedApril 19, 2026
Details
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.
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
Unsecured Closed End
12.25%
▼
APR12.25%
Last UpdatedApril 19, 2026
Details
As Low As
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Signature Loan
12.35%
▼
APR12.35%
Last UpdatedApril 19, 2026
Details
As Low As
Sunflower Community Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 19, 2026
Details
Credit Score B - 700 - 749
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Signature
12.50%
▼
APR12.50%
Last UpdatedApril 19, 2026
Details
As Low As
APR13.00%
Last UpdatedApril 19, 2026
Details
Credit Score: 650 - 699; Limit: $3,000.00
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Unsecured (Signature)
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
Up to $5,000; As Low As
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Unsecured (Signature) to $10,000
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
$5,000; As Low As
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
As Low As
Credit Union of Dodge City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
Unsecured Signature Loans
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
As Low As
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Signature Loan3
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
As Low As
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
Signature
13.24%
▼
APR13.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 12 months
13.50%
▼
APR13.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Signature
13.50%
▼
APR13.50%
Last UpdatedApril 19, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 19, 2026
Details
As Low As
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Personal/Unsecured Loan
13.97%
▼
APR13.97%
Last UpdatedApril 19, 2026
Details
Loan Amount: $7,500
APR14.00%
Last UpdatedApril 19, 2026
Details
Credit Score: 600 - 649; Limit: $1,500.00
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Signature Loan
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
As Low As
Peoples Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Elite Signature Loans
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Peoples Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Signature Loans
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Signature Loan3
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 19, 2026
Details
As Low As
Sunflower Community Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
Signature Loans
14.50%
▼
APR14.50%
Last UpdatedApril 19, 2026
Details
Credit Score C - 650 - 699
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 24 months
14.50%
▼
APR14.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 60 Months
14.74%
▼
APR14.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Peoples Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Signature Loans
15.00%
▼
APR15.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
C&R Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Unsecured Loans No Score
15.00%
▼
APR15.00%
Last UpdatedApril 19, 2026
Details
Limit: $500.00
APR15.00%
Last UpdatedApril 19, 2026
Details
Credit Score: 550 - 599; Limit: $1,000.00
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
15.07%
▼
APR15.07%
Last UpdatedApril 19, 2026
Details
As Low As
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
15.13%
▼
APR15.13%
Last UpdatedApril 19, 2026
Details
As Low As
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
15.49%
▼
APR15.49%
Last UpdatedApril 19, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 36 months
15.50%
▼
APR15.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
Flex Loan
15.65%
▼
APR15.65%
Last UpdatedApril 19, 2026
Details
No additional details available.
Sunflower Community Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
Signature Loans
16.00%
▼
APR16.00%
Last UpdatedApril 19, 2026
Details
Credit Score D - 600 - 649
APR16.33%
Last UpdatedApril 19, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 48 months
16.50%
▼
APR16.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR16.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 12 months
17.75%
▼
APR17.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 24 months
17.75%
▼
APR17.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
Peoples Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Cash Advance Loan Monthly, Semi-Monthly, Weekly or Semi-Weekly Terms
18.00%
▼
APR18.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR6.99%
Last UpdatedApril 19, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 12 months
8.65%
▼
APR8.65%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 24 months
9.30%
▼
APR9.30%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR9.79%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.90%
Last UpdatedApril 19, 2026
Details
As Low As; Rate based on creditworthiness and term of loan.
APR9.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 36 months
10.15%
▼
APR10.15%
Last UpdatedApril 19, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 36 months
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 48 months
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Personal Loans
11.55%
▼
APR11.55%
Last UpdatedApril 19, 2026
Details
No additional details available.
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Unsecured Personal Loans
11.55%
▼
APR11.55%
Last UpdatedApril 19, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 60 months
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Personal Loans
11.88%
▼
APR11.88%
Last UpdatedApril 19, 2026
Details
No additional details available.
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
Unsecured Personal Loans
11.88%
▼
APR11.88%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 48 months
11.95%
▼
APR11.95%
Last UpdatedApril 19, 2026
Details
No additional details available.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 19, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 12 months
13.50%
▼
APR13.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 19, 2026
Details
As Low As
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 24 months
14.50%
▼
APR14.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
15.07%
▼
APR15.07%
Last UpdatedApril 19, 2026
Details
As Low As
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
15.13%
▼
APR15.13%
Last UpdatedApril 19, 2026
Details
As Low As
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Personal Loan
15.49%
▼
APR15.49%
Last UpdatedApril 19, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 36 months
15.50%
▼
APR15.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR16.33%
Last UpdatedApril 19, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 48 months
16.50%
▼
APR16.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 12 months
17.75%
▼
APR17.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
KUMC Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
Personal Loan 24 months
17.75%
▼
APR17.75%
Last UpdatedApril 19, 2026
Details
No additional details available.
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 19, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 19, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR4.99%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR7.00%
Last UpdatedApril 19, 2026
Details
As Low As
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 12 Months
8.24%
▼
APR8.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR8.50%
Last UpdatedApril 19, 2026
Details
As Low As
APR8.50%
Last UpdatedApril 19, 2026
Details
up to $500
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.18%
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedApril 19, 2026
Details
No additional details available.
Roberts Dairy Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Garden City Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedApril 19, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR9.50%
Last UpdatedApril 19, 2026
Details
up to $500
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 24 Months
9.74%
▼
APR9.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Signature Loans
9.75%
▼
APR9.75%
Last UpdatedApril 19, 2026
Details
As Low As
Garden City Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Signature Loans
10.00%
▼
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 19, 2026
Details
As Low As
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 36 Months
10.24%
▼
APR10.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Kansas Teachers Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Signature
10.25%
▼
APR10.25%
Last UpdatedApril 19, 2026
Details
No additional details available.
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.41%
SIGNATURE UNSECURED
10.49%
▼
APR10.49%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.50%
Last UpdatedApril 19, 2026
Details
up to $500
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 36 months
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
Signature Loans Unsecured
10.90%
▼
APR10.90%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 19, 2026
Details
As Low As; *multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Signature
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
Sunflower Community Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
Credit Score A - 750 & higher
Garden City Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Signature Loan3
11.00%
▼
APR11.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR11.00%
Last UpdatedApril 19, 2026
Details
As Low As
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Signature Unsecured Loan
11.15%
▼
APR11.15%
Last UpdatedApril 19, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 48 months
APR11.50%
Last UpdatedApril 19, 2026
Details
up to $500
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 48 Months
11.74%
▼
APR11.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Signature/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedApril 19, 2026
Details
As Low As; Up to 60 months
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Signature Loan
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
As Low As
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Signature Loan3
12.00%
▼
APR12.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR12.00%
Last UpdatedApril 19, 2026
Details
As Low As
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Signature Loan
12.35%
▼
APR12.35%
Last UpdatedApril 19, 2026
Details
As Low As
Sunflower Community Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
Signature Loans
12.50%
▼
APR12.50%
Last UpdatedApril 19, 2026
Details
Credit Score B - 700 - 749
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Signature
12.50%
▼
APR12.50%
Last UpdatedApril 19, 2026
Details
As Low As
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Signature Loan3
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
As Low As
APR13.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR13.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Credit Union of Dodge City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
Unsecured Signature Loans
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
As Low As
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
As Low As
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Unsecured (Signature) to $10,000
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
$5,000; As Low As
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Unsecured (Signature)
13.00%
▼
APR13.00%
Last UpdatedApril 19, 2026
Details
Up to $5,000; As Low As
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
Signature
13.24%
▼
APR13.24%
Last UpdatedApril 19, 2026
Details
No additional details available.
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
Signature
13.50%
▼
APR13.50%
Last UpdatedApril 19, 2026
Details
As Low As
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Signature Loan
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
As Low As
Peoples Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Elite Signature Loans
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Peoples Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Signature Loans
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Signature Loan3
14.00%
▼
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
APR14.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Sunflower Community Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
Signature Loans
14.50%
▼
APR14.50%
Last UpdatedApril 19, 2026
Details
Credit Score C - 650 - 699
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
Signature & Lifestyle Loans Up to 60 Months
14.74%
▼
APR14.74%
Last UpdatedApril 19, 2026
Details
No additional details available.
Peoples Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Signature Loans
15.00%
▼
APR15.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
Sunflower Community Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 21.22%
Signature Loans
16.00%
▼
APR16.00%
Last UpdatedApril 19, 2026
Details
Credit Score D - 600 - 649
Peoples Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedApril 19, 2026
Details
No additional details available.
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No home improvement personal loan rates found in Osage City, KS currently.
Osage City, KS Personal Loan Rate Trends
Compare local Osage 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.
Personal Loan — KS Avg
12.913%
Unchanged vs 7 days ago
Kansas personal loan rates currently average 12.913% APR.
Signature Loan — KS Avg
11.971%
▲ 0.006 vs 7 days ago
Kansas signature loan rates rose 0.006 points over the past 7 days to 11.971% APR.
As of Apr 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Kansas?
Most lenders in Osage City, Kansas require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Kansas often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Osage City, Kansas require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Kansas?
Yes. Debt consolidation is one of the most common uses of personal loans in Osage City, Kansas. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Osage City, Kansas?
Credit unions in Osage City, Kansas often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Osage City, Kansas?
- Farmway Credit Union: 4.15% (Recreational Loans)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Public Safety Credit Union: 4.99% (Gun Loans)
- County Credit Union: 4.99% (Signature (Personal))
- Crossroads Credit Union: 5.75% (Agriculture Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Osage City, Kansas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.
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