Best Personal Loan Rates in Troy, Kansas - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Troy, Kansas include: Emporia State Federal Credit UnionEmporia State Federal Credit UnionA+5.0 ★Texas Ratio: 4.76% offering 2021 - 2026 Models Loan at 4.50% APR, Frontier Community Credit UnionFrontier Community Credit UnionA5.0 ★Texas Ratio: 8.25% offering 2016 - 2021 Loan at 4.52% APR, Mid American Credit UnionMid American Credit UnionA+5.0 ★Texas Ratio: 4.68% offering 2016 and Older - Up to 48 Months Loan at 4.99% APR, KC Area Credit UnionKC Area Credit UnionA+5.0 ★Texas Ratio: 1.86% offering Back To School Loan at 4.99% APR, and County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 3.60% offering Signature (Personal) Loan at 4.99% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Troy borrowers have access to 49 lenders serving the Kansas area, with personal loan rates as low as 4.50% APR from Emporia State Federal 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 Troy, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Troy, 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: July 25, 2026
Troy Personal Loan Rates
As Low As; APR is for vehicles with a perfected lien.
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As Low As; APR is for vehicles with a perfected lien.
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As Low As; some restrictions apply. Maximum term is one year. Loan promotion runs through September 30, 2026
No additional details available.
Rates 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; Boats, RVs, ATVs and motorcycles. For a limited time only.
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Credit Score
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over $40,000; As Low As; APR is for vehicles with a perfected lien.
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As Low As; APR is for vehicles with a perfected lien.
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Residential Lot
Visa Card Options
APR*
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As Low As; APR is for vehicles with a perfected lien.
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Designed for limited/no credit or credit rebuilding. Contact the credit union to apply. Loan amount: $1,000 at 8% for 12 months Funds secured in a 12-month CD at MRCU Credit review with improvement tips Loan payoff leads to $1,000 CD + Dividends Set up an appointment with a loan officer once this loan is paid in full to review an updated credit report.
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As Low As; APR is for vehicles with a perfected lien.
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As Low As; 90% Equity
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LTV: up to 75%
Credit Rating: 1
No additional details available.
As Low As; APR is for vehicles with a perfected lien.
Rates designed for you starting at
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As Low As
LTV: up to 75%
Construction Loan
No additional details available.
Credit Rating: 1
No additional details available.
APR*
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up to $500, Tier B
No additional details available.
Fixed Rate; *
LTV: up to 85%
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APR*
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Ex: $6,000 @ 10% for 36 months = $194.
APR* Purchases
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LIMIT - $1,000.00
LIMIT - $1,000.00
Credit Rating: 1
up to $500, Tier C
No additional details available.
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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.
Credit Score: A - 750 & higher
Credit Score A 750 & higher
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APR*
up to $500, Tier D
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Credit Rating: 1
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Credit Score B 700 - 749
Rates 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; Rate/APR* as low as
Borrow between $500 and $7,500 with Personal Loans starting at 12.50% APR*. Click here to apply.
Credit Score: B - 700 - 749
As Low As
No additional details available.
Visa Card Options
No additional details available.
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Credit Score C 650 - 699
*$7,500.00 maximum amount available after 18 months of B&V permanent employment or B&V Credit Union membership. (pro-rated for less than 18 months of B&V permanent employment or B&V Credit Union membership) *maximum 36 month payback
No additional details available.
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$5,000; As Low As; *APR
Up to $5,000; As Low As; *APR
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Credit Rating: 2
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Credit Score D 600 - 649
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Credit Score: C - 650 - 699
Credit Rating: 2
No additional details available.
APR*
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APR* Purchases
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Credit Score E 550 - 599
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Troy Personal Loan Rates
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Rates designed for you starting at
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No additional details available.
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Borrow between $500 and $7,500 with Personal Loans starting at 12.50% APR*. Click here to apply.
No additional details available.
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Troy Debt Consolidation Loan Rates
No additional details available.
Troy Signature Loan Rates
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up to $500, Tier B
Fixed Rate; *
No additional details available.
APR*
Ex: $6,000 @ 10% for 36 months = $194.
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up to $500, Tier C
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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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Credit Score: A - 750 & higher
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APR*
up to $500, Tier D
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No additional details available.
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No additional details available.
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Credit Score: B - 700 - 749
No additional details available.
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*$7,500.00 maximum amount available after 18 months of B&V permanent employment or B&V Credit Union membership. (pro-rated for less than 18 months of B&V permanent employment or B&V Credit Union membership) *maximum 36 month payback
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$5,000; As Low As; *APR
Up to $5,000; As Low As; *APR
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Credit Score: C - 650 - 699
APR*
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Troy, KS Personal Loan Rate Trends
Compare local Troy, 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 0.178 points over the past 7 days to 12.882% APR.
Kansas signature loan rates rose 0.075 points over the past 7 days to 12.036% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Troy, Kansas personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Troy, Kansas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Troy, Kansas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in KS.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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 Troy, Kansas?
What are the best personal loan rates in Troy, Kansas?
- Emporia State Federal Credit Union: 4.50% (2021 - 2026 Models Loan)
- Frontier Community Credit Union: 4.52% (2016 - 2021 Loan)
- Mid American Credit Union: 4.99% (2016 and Older - Up to 48 Months Loan)
- KC Area Credit Union: 4.99% (Back To School Loan)
- County Credit Union: 4.99% (Signature (Personal) Loan)
Personal Loan Calculators
