Best Personal Loan Rates in Wichita, Kansas - July 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 Wichita, Kansas include: The Valley State BankThe Valley State Bank5310 S Broadway Ave, Wichita, KS, 67216A+5.0 ★Texas Ratio: 3.63% offering 2022 and Newer Loan at 6.01% APR, Great Plains Federal Credit UnionGreat Plains Federal Credit Union11122 E Central Ave, WICHITA, KS, 67206 2632A+5.0 ★Texas Ratio: 2.17% offering Other Loans at 6.75% APR, Skyward Credit UnionSkyward Credit Union4 Cessna Blvd, Wichita, KS, 67215 1423A+5.0 ★Texas Ratio: 4.54% offering Unsecured Loan at 9.39% APR, Wichita Federal Credit UnionWichita Federal Credit Union3730 W 13th St N, Wichita, KS, 67203 4402A5.0 ★Texas Ratio: 8.48% offering Signature Loans at 9.75% APR, and Campus Credit UnionCampus Credit Union4960 E 21st St N, Wichita, KS, 67208B4.7 ★Texas Ratio: 17.47% offering Unsecured Loan at 9.99% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Wichita has 8 local institutions in our database, with personal loan rates as low as 6.01% APR from The Valley State Bank at 5310 S Broadway Ave, Wichita, KS, 67216. 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 Wichita, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Wichita, 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 6, 2026
Wichita Personal Loan Rates
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Loan Amount: $25,000
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over $40,000; As Low As; APR is for vehicles with a perfected lien.
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Loan Amount: $20,000
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Rate subject to change quarterly
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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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Base 8.25%; 0.00% adjustment for Credit Score C - 650 - 699
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As Low As; APR is for vehicles with a perfected lien.
As Low As; 90% Equity
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LTV: up to 75%
Credit Rating 1
Loan Amount: $15,000
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LTV: up to 75%
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Credit Rating 1
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up to $500; Tier B
Loan Amount: $10,000
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LTV: up to 85%
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Loan amount up to $7,500.00 depending on credit qualification.
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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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up to $500; Tier D
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Credit Rating 1
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As Low As; Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
Borrow between $500 and $7,500. Click here to apply.
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Credit Score: B - 700 - 749
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Up to $5,000; As Low As; *APR
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Credit Score: C - 650 - 699
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Rate Type: Variable
Credit Score: D - 600 - 649
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Wichita Personal Loan Rates
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Loan amount up to $7,500.00 depending on credit qualification.
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Borrow between $500 and $7,500. Click here to apply.
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Wichita Debt Consolidation Loan Rates
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Wichita Signature Loan Rates
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up to $500; Tier B
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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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up to $500; Tier D
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Credit Score: B - 700 - 749
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$5,000; As Low As; *APR
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Credit Score: C - 650 - 699
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Wichita, KS Personal Loan Rate Trends
Compare local Wichita, 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 13.037% APR.
Kansas signature loan rates currently average 12.077% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wichita, 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 Wichita, 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 Wichita, 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 Wichita, Kansas?
What are the best personal loan rates in Wichita, Kansas?
- The Valley State Bank: 6.01% (2022 and Newer Loan)
- Great Plains Federal Credit Union: 6.75% (Other Loans)
- Skyward Credit Union: 9.39% (Unsecured Loan)
- Wichita Federal Credit Union: 9.75% (Signature Loans)
- Campus Credit Union: 9.99% (Unsecured Loan)
Personal Loan Calculators
