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Personal Loan Rate Trends

Missouri Best Personal Loan Rates - October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • 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.
Read Full Bio
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Missouri borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
| ✓Fact Checked | Personal Loan Rates · Last Updated and Verified: October 13, 2026

Missouri personal loan rates range from 6.00% to 22.24% APR, verified by MonitorBankRates as of October 13, 2026. Current personal loan options available to borrowers in Missouri include: MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO, 65101 4428A+5.0 ★Texas Ratio: 0.67% offering Short-term Personal Loan at 6.00% APR, CommunityAmerica Credit UnionCommunityAmerica Credit Union6390 N Cosby Ave, Kansas City, MO, 64151 offering Personal Loan at 6.99% APR, Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO, 63043A5.0 ★Texas Ratio: 6.31% offering Personal Loan at 6.99% APR, TelComm Credit UnionTelComm Credit Union161 US Highway 60 W, Republic, MO, 65738A+5.0 ★Texas Ratio: 1.32% offering Signature Loan (Unsecured) at 7.49% APR, and Lutheran Federal Credit UnionLutheran Federal Credit Union10733 Sunset Office Dr Ste 406, Saint Louis, MO, 63127 1024A+5.0 ★Texas Ratio: 0.00% offering RCW Consolidation Loan at 7.54% APR. Personal loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare personal loan rates across Missouri side-by-side. Missouri personal loan rates currently start as low as 6.00% APR from MECE Credit Union at 2722 E McCarty St, Jefferson City, MO, 65101 4428. Rates are continually updated, so 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 Missouri.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Missouri. 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: October 13, 2026

Jump to: All Personal Loans · Personal Loans · Debt Consolidation · Signature Loans

Missouri Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal LoanTerm: 18 Months
6.00%
View
▼
APR6.00%
Interest Rate6.00%
Term18 Months
Last UpdatedNot available
Details

with credit score 650 or >; Rate with Maximum Discount*: 5.75%; Automatic payment rate discount is -0.25% (excluding mortgage and home equity).

Rate History
1 change since Sep 18, 2026 · 11.00% → 6.00% ▼ 5.00 pts · high 11.00% / low 6.00%
1.00%8.50%16.00%Sep 18, 2026: 11.00% APRSep 27, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20266.00%▼ from 11.00%
  • Sep 18, 202611.00%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO, 64151
Personal Loan
6.99%
View
▼
APR6.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Loan Amount: $10,000.00 - $250,000.00

Rate History
1 change since Sep 14, 2026 · 11.74% → 6.99% ▼ 4.75 pts · high 11.74% / low 6.99%
2.24%9.37%16.49%Sep 14, 2026: 11.74% APROct 10, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.99%▼ from 11.74%
  • Sep 14, 202611.74%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO, 63043
Personal Loan
6.99%
View
▼
APR6.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 7.49% → 6.99% ▼ 0.50 pts · high 7.49% / low 6.99%
6.49%7.24%7.99%Sep 14, 2026: 7.49% APROct 10, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.99%▼ from 7.49%
  • Sep 14, 20267.49%first recorded
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
161 US Highway 60 W, Republic, MO, 65738
Signature Loan (Unsecured)
7.49%
View
▼
APR7.49%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Oct 13, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 13, 2026: 7.49% APROct 13, 2026Oct 13, 2026
Lutheran Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10733 Sunset Office Dr Ste 406, Saint Louis, MO, 63127 1024
RCW Consolidation LoanTerm: 7 years
7.54%
View
▼
APR7.54%
Interest Rate7.38%
Term7 years
Last UpdatedNot available
Details

Loans up to $25,000.00 are available. Ability to consolidate existing credit balances (credit cards, loans, medical expenses, taxes, auto repair bills, etc.). Loan funds disbursed directly to creditors. Fixed monthly payments and no penalty for early payoff. Rate referenced above is the lowest rate possible for qualified borrowers and is based on underwriting criteria. There is a one-time $100 loan origination fee.

Rate History
No change since Oct 9, 2026 · 7.54% APR · checked 3 times
7.04%7.54%8.04%Oct 9, 2026: 7.54% APROct 9, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO, 64055
Debt Consolidation LoanTerm: up to 60 months
7.99%
View
▼
APR7.99%
Termup to 60 months
Last UpdatedNot available
Details

Up to $15,000; promotional rate available September 1 to December 31, 2026; limit one Debt Consolidation Loan per member; existing debt consolidation loan can be refinanced; automatic payments and direct deposit into an IFCU checking account required

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
550 S Muldrow St, Mexico, MO, 65265 2014
Personal Loans
8.00%
View
▼
APR8.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Unsecured loan; Offering rates may change

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 4 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature LoanTerm: 6 Months
8.00%
View
▼
APR8.00%
Term6 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
St Louis Policemen`s Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1915 Olive St, Saint Louis, MO, 63103
Signature Loan
8.00%
View
▼
APR8.00%
TermN/A
Last UpdatedNot available
Details

Published APR range: 8.0% - 14.0%.

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
The Wedding Loan (Signature Loan)Term: up to 60 months
8.25%
View
▼
APR8.25%
Termup to 60 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 6 times
7.75%8.25%8.75%Sep 14, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
St. Johns B&T Co.
Institution Rating:
B+4.8 ★Texas Ratio: 17.59%
8924 Saint Charles Rock Rd, Saint Louis, MO, 63114
Unsecured LoanTerm: 60 - 84 months
8.37%
View
▼
APR8.37%
Interest Rate7.75%
Term60 - 84 months
Last UpdatedNot available
Details

$500 - $4,999

Rate History
No change since Oct 7, 2026 · 8.37% APR
7.87%8.37%8.87%Oct 7, 2026: 8.37% APROct 7, 2026Oct 13, 2026
St. Johns B&T Co.
Institution Rating:
B+4.8 ★Texas Ratio: 17.59%
8924 Saint Charles Rock Rd, Saint Louis, MO, 63114
Unsecured LoanTerm: 36 - 48 months
8.52%
View
▼
APR8.52%
Interest Rate7.50%
Term36 - 48 months
Last UpdatedNot available
Details

$500 - $4,999

Rate History
No change since Oct 7, 2026 · 8.52% APR
8.02%8.52%9.02%Oct 7, 2026: 8.52% APROct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Personal LoanTerm: Up to 36 Months
8.74%
View
▼
APR8.74%
TermUp to 36 Months
Last UpdatedNot available
Details

Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.

Rate History
No change since Sep 30, 2026 · 8.74% APR · checked 4 times
8.24%8.74%9.24%Sep 30, 2026: 8.74% APRSep 30, 2026Oct 13, 2026
St. Johns B&T Co.
Institution Rating:
B+4.8 ★Texas Ratio: 17.59%
8924 Saint Charles Rock Rd, Saint Louis, MO, 63114
Unsecured LoanTerm: 12 - 24 months
8.96%
View
▼
APR8.96%
Interest Rate7.00%
Term12 - 24 months
Last UpdatedNot available
Details

$500 - $4,999

Rate History
No change since Oct 7, 2026 · 8.96% APR
8.46%8.96%9.46%Oct 7, 2026: 8.96% APROct 7, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO, 64055
Signature Loan - Including Debt ConsolidationTerm: 1-5 year term
8.99%
View
▼
APR8.99%
Term1-5 year term
Last UpdatedNot available
Details

As Low As; Personal Loan

Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
United Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
109 Lindsey Dr, Hannibal, MO, 63401
UNSECURED LOANSTerm: 60 months
8.99%
View
▼
APR8.99%
Term60 months
Last UpdatedNot available
Details

Term: Max 60 months repayment, add 1% if term is >36 months; Published APR range: 8.99% - 17.99%.

Rate History
No change since Sep 18, 2026 · 8.99% APR · checked 5 times
8.49%8.99%9.49%Sep 18, 2026: 8.99% APRSep 18, 2026Oct 13, 2026
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO, 64151
Personal Loan
8.99%
View
▼
APR8.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Loan Amount: $10,000.00 - $100,000.00

Rate History
1 change since Sep 14, 2026 · 11.74% → 8.99% ▼ 2.75 pts · high 11.74% / low 8.99%
6.24%10.37%14.49%Sep 14, 2026: 11.74% APROct 10, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20268.99%▼ from 11.74%
  • Sep 14, 202611.74%first recorded
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Unsecured LoanTerm: Up to 60 months
9.00%
View
▼
APR9.00%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Rates stated as annual percentage rates; actual rates determined by credit worthiness and collateral

Rate History
No change since Sep 17, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 17, 2026: 9.00% APRSep 17, 2026Oct 13, 2026
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Unsecured Loan (A - C) to $1,000Term: 14 months
9.00%
View
▼
APR9.00%
Interest Rate7.50%
Term14 months
Last UpdatedNot available
Details

$500; Published APR range: 7.50% to 17.00%.

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Unsecured Loan (A - C) to $3,000Term: 20 months
9.00%
View
▼
APR9.00%
Interest Rate7.50%
Term20 months
Last UpdatedNot available
Details

$1,001; Published APR range: 7.50% to 17.00%.

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Unsecured Loan (A - C) to $5,000Term: 26 months
9.00%
View
▼
APR9.00%
Interest Rate7.50%
Term26 months
Last UpdatedNot available
Details

$3,001; Published APR range: 7.50% to 17.00%.

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Platinum Personal LoanTerm: 60 Months
9.00%
View
▼
APR9.00%
Term60 Months
Last UpdatedNot available
Details

Rate with Maximum Discount*: 8.75%

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature LoanTerm: 24 Months
9.00%
View
▼
APR9.00%
Interest Rate9.00%
Term24 Months
Last UpdatedNot available
Details

Published rate range: 9.00% - 18.00%.

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Personal Unsecured Loans
9.14%
View
▼
APR9.14%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates effective October 5th, 2026

Rate History
No change since Sep 14, 2026 · 9.14% APR · checked 6 times
8.64%9.14%9.64%Sep 14, 2026: 9.14% APRSep 14, 2026Oct 13, 2026
Community First Credit Union Hannibal, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6460 Interstate Ct, Hannibal, MO, 63401
Signature Loans
9.24%
View
▼
APR9.24%
TermN/A
Last UpdatedNot available
Details

As Low As; Depending on Credit Score; please see rate sheet for details

Rate History
No change since Sep 14, 2026 · 9.24% APR · checked 6 times
8.74%9.24%9.74%Sep 14, 2026: 9.24% APRSep 14, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Personal loanTerm: 36 Months
9.29%
View
▼
APR9.29%
Term36 Months
Last UpdatedNot available
Details

APR for illustration with term not exceeding 36 months; Final rate and term based on credit worthiness and collateral

Rate History
1 change since Sep 17, 2026 · 8.99% → 9.29% ▲ 0.30 pts · high 9.29% / low 8.99%
8.49%9.14%9.79%Sep 17, 2026: 8.99% APROct 5, 2026: 9.29% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20269.29%▲ from 8.99%
  • Sep 17, 20268.99%first recorded
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Signature LoansTerm: 1 to 60 months
9.29%
View
▼
APR9.29%
Term1 to 60 months
Last UpdatedNot available
Details

As Low As; APR* as low as; Signature loan; Other rates and terms may be available

Rate History
1 change since Sep 14, 2026 · 8.99% → 9.29% ▲ 0.30 pts · high 9.29% / low 8.99%
8.49%9.14%9.79%Sep 14, 2026: 8.99% APROct 5, 2026: 9.29% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20269.29%▲ from 8.99%
  • Sep 14, 20268.99%first recorded
Lutheran Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10733 Sunset Office Dr Ste 406, Saint Louis, MO, 63127 1024
PERSONAL LOANS
9.38%
View
▼
APR9.38%
TermN/A
Last UpdatedNot available
Details

STARTING AT

Rate History
1 change since Sep 14, 2026 · 9.05% → 9.38% ▲ 0.33 pts · high 9.38% / low 9.05%
8.55%9.21%9.88%Sep 14, 2026: 9.05% APROct 9, 2026: 9.38% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20269.38%▲ from 9.05%
  • Sep 14, 20269.05%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO, 64506
Signature Loan
9.75%
View
▼
APR9.75%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates quoted As Low As are determined by underwriting guidelines including member's credit bureau score and term of loan. Contact a Consumer Loan Officer for more information.

Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 6 times
9.25%9.75%10.25%Sep 14, 2026: 9.75% APRSep 14, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO, 63122 4200
Signature Loans
9.90%
View
▼
APR9.90%
TermN/A
Last UpdatedNot available
Details

Published APR range: 9.90%-17.90%.

Rate History
No change since Sep 16, 2026 · 9.90% APR · checked 5 times
9.40%9.90%10.40%Sep 16, 2026: 9.90% APRSep 16, 2026Oct 13, 2026
Catholic Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
Signature Loans
9.90%
View
▼
APR9.90%
TermN/A
Last UpdatedNot available
Details

As Low As; Flexible Rates section

Rate History
No change since Sep 18, 2026 · 9.90% APR · checked 5 times
9.40%9.90%10.40%Sep 18, 2026: 9.90% APRSep 18, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal LoanTerm: 60 Months
9.99%
View
▼
APR9.99%
Term60 Months
Last UpdatedNot available
Details

As Low As; Loan amount: Up to $15,000

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.18%
4161 Highway K, O Fallon, MO, 63368 8294
Personal LoansTerm: Up to 60 months
9.99%
View
▼
APR9.99%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Rate quoted "as low as"; APRs based on credit history and other factors and can vary

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO, 63026 1913
Personal LoanTerm: Revolving Credit Ter
9.99%
View
▼
APR9.99%
TermRevolving Credit Ter
Last UpdatedNot available
Details

Term: Revolving Credit Terms; As Low As; Up to $25,000 with flexible terms

Rate History
No change since Oct 9, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 9, 2026: 9.99% APROct 9, 2026Oct 13, 2026
Summit Ridge Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
3485 NE Ralph Powell Rd, Lees Summit, MO, 64064
Personal LoansTerm: up to 60 months
9.99%
View
▼
APR9.99%
Termup to 60 months
Last UpdatedNot available
Details

As Low As; Rates as low as 9.99% up to 60 months

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal LoanTerm: 12 months
10.00%
View
▼
APR10.00%
Term12 months
Last UpdatedNot available
Details

As low As*:

Rate History
No change since Oct 8, 2026 · 10.00% APR · checked 2 times
9.50%10.00%10.50%Oct 8, 2026: 10.00% APROct 8, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
DebtBuster/No Equity LoanTerm: 5-year payback
10.00%
View
▼
APR10.00%
Term5-year payback
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 8 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature LoanTerm: 24 Months
10.00%
View
▼
APR10.00%
Term24 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 6 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Unsecured LoanTerm: Up to 48 Months
10.00%
View
▼
APR10.00%
TermUp to 48 Months
Last UpdatedNot available
Details

Published APR range: 10.00% - 16.00%.

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 6 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2804 W Ash St, Columbia, MO, 65203 4601
Preferred Personal LoanTerm: Up to 60 months
10.00%
View
▼
APR10.00%
TermUp to 60 months
Last UpdatedNot available
Details

Max. loan $20,000

Rate History
No change since Sep 18, 2026 · 10.00% APR · checked 5 times
9.50%10.00%10.50%Sep 18, 2026: 10.00% APRSep 18, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature LoanTerm: 25 - 36 Months
10.00%
View
▼
APR10.00%
Interest Rate10.00%
Term25 - 36 Months
Last UpdatedNot available
Details

Published rate range: 10.00% - 18.00%.

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 6 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or greater (close end loans)
10.25%
View
▼
APR10.25%
TermN/A
Last UpdatedNot available
Details

$5,000; Credit Grade: A

Rate History
No change since Oct 10, 2026 · 10.25% APR
9.75%10.25%10.75%Oct 10, 2026: 10.25% APROct 10, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Member's Choice (Signature Loan)Term: up to 60 months
10.45%
View
▼
APR10.45%
Termup to 60 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 10.45% APR · checked 6 times
9.95%10.45%10.95%Sep 14, 2026: 10.45% APRSep 14, 2026Oct 13, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal LoanTerm: Up To 48 Months
10.49%
View
▼
APR10.49%
TermUp To 48 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Signature LoanTerm: 36 Months
10.49%
View
▼
APR10.49%
Term36 Months
Last UpdatedNot available
Details

As Low As; $500 minimum; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 7 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
663 W Highway 60, Monett, MO, 65708
Signature LoanTerm: Up to 60 Months
10.49%
View
▼
APR10.49%
TermUp to 60 Months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal LoanTerm: 24 months
10.50%
View
▼
APR10.50%
Term24 months
Last UpdatedNot available
Details

As low As*:

Rate History
No change since Oct 8, 2026 · 10.50% APR · checked 2 times
10.00%10.50%11.00%Oct 8, 2026: 10.50% APROct 8, 2026Oct 13, 2026
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2804 W Ash St, Columbia, MO, 65203 4601
Personal LoanTerm: 24 or 36 months
10.50%
View
▼
APR10.50%
Term24 or 36 months
Last UpdatedNot available
Details

Max. loan $5,000

Rate History
No change since Oct 1, 2026 · 10.50% APR · checked 2 times
10.00%10.50%11.00%Oct 1, 2026: 10.50% APROct 1, 2026Oct 13, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO, 64093
Unsecured, to $20,000 LoanTerm: 18 months
10.60%
View
▼
APR10.60%
Term18 months
Last UpdatedNot available
Details

$500; Term: 18, 24, 30, 36 or 42 Months

Rate History
No change since Sep 18, 2026 · 10.60% APR · checked 6 times
10.10%10.60%11.10%Sep 18, 2026: 10.60% APRSep 18, 2026Oct 13, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal Line-of-Credit Loan
10.66%
View
▼
APR10.66%
TermN/A
Last UpdatedNot available
Details

As Low As; Personal Line-of-Credit

Rate History
No change since Sep 14, 2026 · 10.66% APR · checked 6 times
10.16%10.66%11.16%Sep 14, 2026: 10.66% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Personal LoanTerm: 37-60 Months
10.69%
View
▼
APR10.69%
Term37-60 Months
Last UpdatedNot available
Details

Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.

Rate History
No change since Sep 30, 2026 · 10.69% APR · checked 4 times
10.19%10.69%11.19%Sep 30, 2026: 10.69% APRSep 30, 2026Oct 13, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO, 64055
Signature LoanTerm: Up to 60 months
10.70%
View
▼
APR10.70%
TermUp to 60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.70% APR · checked 5 times
10.20%10.70%11.20%Sep 14, 2026: 10.70% APRSep 14, 2026Oct 13, 2026
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO, 64057 1226
Signature Loan
10.71%
View
▼
APR10.71%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 22, 2026 · 10.71% APR · checked 4 times
10.21%10.71%11.21%Sep 22, 2026: 10.71% APRSep 22, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal LoanTerm: Up to 24 months
10.84%
View
▼
APR10.84%
TermUp to 24 months
Last UpdatedNot available
Details

As Low As; Max loan amount: $20,000

Rate History
No change since Sep 14, 2026 · 10.84% APR · checked 8 times
10.34%10.84%11.34%Sep 14, 2026: 10.84% APRSep 14, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal LoanTerm: 72 Months
10.99%
View
▼
APR10.99%
Term72 Months
Last UpdatedNot available
Details

As Low As; Loan amount: $15,000 - $25,000

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 9 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO, 63108
Works For Me Signature LoansTerm: Up to 60 months
10.99%
View
▼
APR10.99%
TermUp to 60 months
Last UpdatedNot available
Details

Maximum $15,000

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
3301 Texas Ave, Joplin, MO, 64804
Signature Loan
10.99%
View
▼
APR10.99%
TermN/A
Last UpdatedNot available
Details

As Low As; APR excludes loan fees

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
KC Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
601 E 12th St Rm G 61, Kansas City, MO, 64106
Signature Loan
10.99%
View
▼
APR10.99%
TermN/A
Last UpdatedNot available
Details

As Low As; for qualified applicants; loan up to $15,000 for qualified applicants; rate, loan limit and term depend on credit score and debt to income ratio

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal LoanTerm: Up to 60 months
10.99%
View
▼
APR10.99%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Personal Loan

Rate History
No change since Sep 18, 2026 · 10.99% APR · checked 5 times
10.49%10.99%11.49%Sep 18, 2026: 10.99% APRSep 18, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal LoanTerm: 36 months
11.00%
View
▼
APR11.00%
Term36 months
Last UpdatedNot available
Details

As low As*:

Rate History
No change since Sep 16, 2026 · 11.00% APR · checked 4 times
10.50%11.00%11.50%Sep 16, 2026: 11.00% APRSep 16, 2026Oct 13, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature LoanTerm: Up to 36 months
11.00%
View
▼
APR11.00%
TermUp to 36 months
Last UpdatedNot available
Details

As Low As; Terms: Up to 36 months

Rate History
1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75%
10.25%10.88%11.50%Sep 14, 2026: 10.75% APRSep 29, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 202611.00%▲ from 10.75%
  • Sep 14, 202610.75%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO, 65807
Signature Loan
11.00%
View
▼
APR11.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Term: Varies

Rate History
No change since Sep 22, 2026 · 11.00% APR · checked 4 times
10.50%11.00%11.50%Sep 22, 2026: 11.00% APRSep 22, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal LoanTerm: 18 Months
11.00%
View
▼
APR11.00%
Interest Rate11.00%
Term18 Months
Last UpdatedNot available
Details

with credit score of less than 650; Rate with Maximum Discount*: 10.75%; Automatic payment rate discount is -0.25% (excluding mortgage and home equity).

Rate History
No change since Sep 18, 2026 · 11.00% APR · checked 5 times
10.50%11.00%11.50%Sep 18, 2026: 11.00% APRSep 18, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature LoanTerm: 37 - 48 Months
11.00%
View
▼
APR11.00%
Interest Rate11.00%
Term37 - 48 Months
Last UpdatedNot available
Details

Published rate range: 11.00% - 18.00%.

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 6 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Highway Crossroads Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.41%
741 York Dr, Sikeston, MO, 63801
Unsecured LoanTerm: 54 months
11.24%
View
▼
APR11.24%
Term54 months
Last UpdatedNot available
Details

Credit Score: 750+ A+; Amount: $10,000.00

Rate History
2 changes since Sep 14, 2026 · 11.24% → 11.24% ▼ 0.00 pts · high 12.74% / low 11.24%
9.74%11.99%14.24%Sep 14, 2026: 11.24% APRSep 21, 2026: 12.74% APROct 9, 2026: 11.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.24%▼ from 12.74%
  • Sep 21, 202612.74%▲ from 11.24%
  • Sep 14, 202611.24%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Signature LoanTerm: 37-60 Months
11.24%
View
▼
APR11.24%
Term37-60 Months
Last UpdatedNot available
Details

As Low As; $500 minimum; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 7 times
10.74%11.24%11.74%Sep 14, 2026: 11.24% APRSep 14, 2026Oct 13, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Personal (Signature) LoanTerm: 1 - 36 months
11.25%
View
▼
APR11.25%
Term1 - 36 months
Last UpdatedNot available
Details

As Low As; APR range 11.25% - 19.00%

Rate History
No change since Oct 9, 2026 · 11.25% APR · checked 2 times
10.75%11.25%11.75%Oct 9, 2026: 11.25% APROct 9, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
11.25%
View
▼
APR11.25%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: A

Rate History
No change since Oct 10, 2026 · 11.25% APR
10.75%11.25%11.75%Oct 10, 2026: 11.25% APROct 10, 2026Oct 13, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal LoanTerm: Up To 60 Months
11.49%
View
▼
APR11.49%
TermUp To 60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature LoanTerm: Up to 48 months
11.50%
View
▼
APR11.50%
TermUp to 48 months
Last UpdatedNot available
Details

As Low As; Terms: Up to 48 months; Minimum Loan Amount: $3,000

Rate History
1 change since Sep 14, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25%
10.75%11.38%12.00%Sep 14, 2026: 11.25% APRSep 29, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 202611.50%▲ from 11.25%
  • Sep 14, 202611.25%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO, 64055
Personal Loan
11.74%
View
▼
APR11.74%
TermN/A
Last UpdatedNot available
Details

Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00

Rate History
No change since Sep 29, 2026 · 11.74% APR
11.24%11.74%12.24%Sep 29, 2026: 11.74% APRSep 29, 2026Oct 13, 2026
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO, 64151
Personal Loan
11.74%
View
▼
APR11.74%
TermN/A
Last UpdatedNot available
Details

Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00

Rate History
No change since Sep 14, 2026 · 11.74% APR · checked 7 times
11.24%11.74%12.24%Sep 14, 2026: 11.74% APRSep 14, 2026Oct 13, 2026
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
Signature LoansTerm: Up to 36 months
11.75%
View
▼
APR11.75%
TermUp to 36 months
Last UpdatedNot available
Details

Starting as low as 11.75% APR

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 7 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature LoanTerm: 24 months
11.75%
View
▼
APR11.75%
Term24 months
Last UpdatedNot available
Details

Consumer Loan Rates

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 6 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal LoanTerm: 36 months
11.80%
View
▼
APR11.80%
Term36 months
Last UpdatedNot available
Details

As Low As; Max loan amount: $20,000

Rate History
No change since Sep 14, 2026 · 11.80% APR · checked 8 times
11.30%11.80%12.30%Sep 14, 2026: 11.80% APRSep 14, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Unsecured/Personal LoansTerm: Maximum 60 Months
11.90%
View
▼
APR11.90%
TermMaximum 60 Months
Last UpdatedNot available
Details

As Low As; Lowest APR available will be determined at time of application and will be dependent upon credit score.

Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 6 times
11.40%11.90%12.40%Sep 14, 2026: 11.90% APRSep 14, 2026Oct 13, 2026
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
805 W Stadium Blvd, Jefferson City, MO, 65109
Signature Loan
11.90%
View
▼
APR11.90%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 6 times
11.40%11.90%12.40%Sep 14, 2026: 11.90% APRSep 14, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal LoanTerm: 84 Months
11.99%
View
▼
APR11.99%
Term84 Months
Last UpdatedNot available
Details

As Low As; Loan amount: $25,000 or more

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 9 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
Highway Crossroads Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.41%
741 York Dr, Sikeston, MO, 63801
Unsecured LoanTerm: 48 months
11.99%
View
▼
APR11.99%
Term48 months
Last UpdatedNot available
Details

Credit Score: 701-749 A; Amount: $7,500.00

Rate History
2 changes since Sep 14, 2026 · 11.99% → 11.99% ▼ 0.00 pts · high 13.24% / low 11.99%
10.74%12.62%14.49%Sep 14, 2026: 11.99% APRSep 21, 2026: 13.24% APROct 9, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.99%▼ from 13.24%
  • Sep 21, 202613.24%▲ from 11.99%
  • Sep 14, 202611.99%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal LoanTerm: 48 months
12.00%
View
▼
APR12.00%
Term48 months
Last UpdatedNot available
Details

As low As*:

Rate History
No change since Oct 8, 2026 · 12.00% APR · checked 2 times
11.50%12.00%12.50%Oct 8, 2026: 12.00% APROct 8, 2026Oct 13, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature LoanTerm: Up to 60 months
12.00%
View
▼
APR12.00%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Terms: Up to 60 months; Minimum Loan Amount: $10,000

Rate History
1 change since Sep 14, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75%
11.25%11.88%12.50%Sep 14, 2026: 11.75% APRSep 29, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 202612.00%▲ from 11.75%
  • Sep 14, 202611.75%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Signature LoanTerm: 1-36 Months
12.00%
View
▼
APR12.00%
Term1-36 Months
Last UpdatedNot available
Details

As Low As; APR* as low as 12.00%

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
2082 Rock Rd, De Soto, MO, 63020 1052
Unsecured LoanTerm: 18 months
12.00%
View
▼
APR12.00%
Interest Rate12.00%
Term18 months
Last UpdatedNot available
Details

Balance: Up to $1,000.00; Payoff period: 18 months; Rare exceptions may be made to an unsecured limit of $7,500.00 by the credit manager

Rate History
1 change since Sep 18, 2026 · 10.00% → 12.00% ▲ 2.00 pts · high 12.00% / low 10.00%
8.00%11.00%14.00%Sep 18, 2026: 10.00% APROct 9, 2026: 12.00% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 202612.00%▲ from 10.00%
  • Sep 18, 202610.00%first recorded
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
310 N Missouri St, Macon, MO, 63552
Signature LoansTerm: 60 months
12.00%
View
▼
APR12.00%
Term60 months
Last UpdatedNot available
Details

As Low As; Rate as low as*

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature LoansTerm: 36 months
12.00%
View
▼
APR12.00%
Interest Rate12.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 750+; You can borrow up to: $5,000.00

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Signature LoanTerm: 60 months max term
12.00%
View
▼
APR12.00%
Term60 months max term
Last UpdatedNot available
Details

As Low As; $12,000 limit per household; Rates based on Applicant's Credit Bureau score.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2800 E 14th St, Kansas City, MO, 64127
Unsecured Loan
12.14%
View
▼
APR12.14%
TermN/A
Last UpdatedNot available
Details

As Low As; Loans effective 10/1/2026

Rate History
No change since Sep 14, 2026 · 12.14% APR · checked 6 times
11.64%12.14%12.64%Sep 14, 2026: 12.14% APRSep 14, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
Unsecured Personal LoanTerm: 12 months
12.24%
View
▼
APR12.24%
Term12 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 16, 2026 · 12.24% APR · checked 5 times
11.74%12.24%12.74%Sep 16, 2026: 12.24% APRSep 16, 2026Oct 13, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
663 W Highway 60, Monett, MO, 65708 8215
Signature LoansTerm: Up to 60 Months
12.24%
View
▼
APR12.24%
TermUp to 60 Months
Last UpdatedNot available
Details

Loan Amount: $7,500 up to $25,000; APR reflects AutoPay .25% deduction

Rate History
No change since Sep 18, 2026 · 12.24% APR · checked 5 times
11.74%12.24%12.74%Sep 18, 2026: 12.24% APRSep 18, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
12.25%
View
▼
APR12.25%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 1 APR (730+)

Rate History
No change since Oct 13, 2026 · 12.25% APR
11.75%12.25%12.75%Oct 13, 2026: 12.25% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature LoanTerm: 36 months
12.25%
View
▼
APR12.25%
Term36 months
Last UpdatedNot available
Details

Consumer Loan Rates

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 6 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or greater (close end loans)
12.25%
View
▼
APR12.25%
TermN/A
Last UpdatedNot available
Details

$5,000; Credit Grade: B

Rate History
No change since Oct 10, 2026 · 12.25% APR
11.75%12.25%12.75%Oct 10, 2026: 12.25% APROct 10, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal LoanTerm: 48 months
12.30%
View
▼
APR12.30%
Term48 months
Last UpdatedNot available
Details

As Low As; Max loan amount: $20,000

Rate History
No change since Sep 14, 2026 · 12.30% APR · checked 8 times
11.80%12.30%12.80%Sep 14, 2026: 12.30% APRSep 14, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
Unsecured Personal LoanTerm: 60 month
12.49%
View
▼
APR12.49%
Term60 month
Last UpdatedNot available
Details

Rates may vary depending on credit, loan amount, and loan term. A document preparation fee of $99.00 applies. If you borrow the maximum amount of $15,000 at 12.24% for a 60 month term, your minimum monthly payment would be $333.65. This rate includes a .25% deduction if using direct deposit of at least $250 into an NJFCU checking account. If direct deposit is not selected, the APR is .25% higher than the published APR. Fees Apply.

Rate History
No change since Sep 16, 2026 · 12.49% APR · checked 5 times
11.99%12.49%12.99%Sep 16, 2026: 12.49% APRSep 16, 2026Oct 13, 2026
Highway Crossroads Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.41%
741 York Dr, Sikeston, MO, 63801
Unsecured LoanTerm: 48 months
12.49%
View
▼
APR12.49%
Term48 months
Last UpdatedNot available
Details

Credit Score: 651-700 B; Amount: $7,500.00

Rate History
2 changes since Sep 14, 2026 · 12.49% → 12.49% ▼ 0.00 pts · high 13.99% / low 12.49%
10.99%13.24%15.49%Sep 14, 2026: 12.49% APRSep 21, 2026: 13.99% APROct 9, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.49%▼ from 13.99%
  • Sep 21, 202613.99%▲ from 12.49%
  • Sep 14, 202612.49%first recorded
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal LoanTerm: Up to 72 Months
12.49%
View
▼
APR12.49%
TermUp to 72 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 6 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
Personal LoanTerm: UP TO 5 years REPAY
12.50%
View
▼
APR12.50%
TermUP TO 5 years REPAY
Last UpdatedNot available
Details

As Low As; Up to $12,000 max; New loans only

Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 9 times
12.00%12.50%13.00%Sep 14, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
12.75%
View
▼
APR12.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 2 APR (680-729)

Rate History
No change since Oct 13, 2026 · 12.75% APR
12.25%12.75%13.25%Oct 13, 2026: 12.75% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature LoanTerm: 48 months
12.75%
View
▼
APR12.75%
Term48 months
Last UpdatedNot available
Details

Consumer Loan Rates

Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 6 times
12.25%12.75%13.25%Sep 14, 2026: 12.75% APRSep 14, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal LoanTerm: 60 months
12.99%
View
▼
APR12.99%
Term60 months
Last UpdatedNot available
Details

As Low As; Max loan amount: $20,000

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 8 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature LoanTerm: 60 Months
12.99%
View
▼
APR12.99%
Term60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 6 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Signature LoanTerm: 0-12 months
13.00%
View
▼
APR13.00%
Term0-12 months
Last UpdatedNot available
Details

Must be employed by current employer for 12 months to qualify

Rate History
No change since Sep 18, 2026 · 13.00% APR · checked 7 times
12.50%13.00%13.50%Sep 18, 2026: 13.00% APRSep 18, 2026Oct 13, 2026
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature LoansTerm: 36 months
13.00%
View
▼
APR13.00%
Interest Rate13.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 700 - 749; You can borrow up to: $5,000.00

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 6 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Personal LoanTerm: 60 Months
13.00%
View
▼
APR13.00%
Term60 Months
Last UpdatedNot available
Details

Rate with Maximum Discount*: 12.75%

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 6 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO, 64055
Signature LoanTerm: Up to 48 months
13.00%
View
▼
APR13.00%
TermUp to 48 months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 6 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
13.25%
View
▼
APR13.25%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: B

Rate History
No change since Oct 10, 2026 · 13.25% APR
12.75%13.25%13.75%Oct 10, 2026: 13.25% APROct 10, 2026Oct 13, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO, 64093
Term SignatureTerm: 12 months
13.35%
View
▼
APR13.35%
Term12 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 13.35% APR · checked 4 times
12.85%13.35%13.85%Sep 29, 2026: 13.35% APRSep 29, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO, 65803
Signature Loan
13.49%
View
▼
APR13.49%
TermN/A
Last UpdatedNot available
Details

As Low As; Term: Varies; Rates Effective 10/01/23; Actual APR may differ based on credit history, approved loan amount and term

Rate History
No change since Sep 22, 2026 · 13.49% APR · checked 4 times
12.99%13.49%13.99%Sep 22, 2026: 13.49% APRSep 22, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
13.75%
View
▼
APR13.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 3 APR (640-679)

Rate History
No change since Oct 13, 2026 · 13.75% APR
13.25%13.75%14.25%Oct 13, 2026: 13.75% APROct 13, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or greater (close end loans)
13.75%
View
▼
APR13.75%
TermN/A
Last UpdatedNot available
Details

$5,000; Credit Grade: C

Rate History
No change since Oct 10, 2026 · 13.75% APR
13.25%13.75%14.25%Oct 10, 2026: 13.75% APROct 10, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal LoanTerm: 60 months
14.00%
View
▼
APR14.00%
Term60 months
Last UpdatedNot available
Details

As low As*:

Rate History
No change since Oct 8, 2026 · 14.00% APR · checked 2 times
13.50%14.00%14.50%Oct 8, 2026: 14.00% APROct 8, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Signature LoanTerm: 13-24 months
14.00%
View
▼
APR14.00%
Term13-24 months
Last UpdatedNot available
Details

Must be employed by current employer for 12 months to qualify

Rate History
No change since Sep 18, 2026 · 14.00% APR · checked 7 times
13.50%14.00%14.50%Sep 18, 2026: 14.00% APRSep 18, 2026Oct 13, 2026
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loan (A - E)Term: 44 months
14.00%
View
▼
APR14.00%
Interest Rate12.50%
Term44 months
Last UpdatedNot available
Details

Up to $5,000; Published APR range: 12.50% to 22.00%.

Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 6 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Term Signature, LoanTerm: 6 months
14.00%
View
▼
APR14.00%
Interest Rate12.50%
Term6 months
Last UpdatedNot available
Details

Up to $5,000; Published APR range: 12.50% to 22.00%.

Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 6 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Signature LoansTerm: up to 12 months
14.00%
View
▼
APR14.00%
Termup to 12 months
Last UpdatedNot available
Details

As Low As; Amount: Up to $1,500.00

Rate History
No change since Sep 22, 2026 · 14.00% APR · checked 4 times
13.50%14.00%14.50%Sep 22, 2026: 14.00% APRSep 22, 2026Oct 13, 2026
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature LoansTerm: 36 months
14.00%
View
▼
APR14.00%
Interest Rate14.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 675 - 699; You can borrow up to: $4,000.00

Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 6 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Signature LoanTerm: 25-36 months
14.50%
View
▼
APR14.50%
Term25-36 months
Last UpdatedNot available
Details

Must be employed by current employer for 12 months to qualify

Rate History
No change since Sep 18, 2026 · 14.50% APR · checked 7 times
14.00%14.50%15.00%Sep 18, 2026: 14.50% APRSep 18, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
14.75%
View
▼
APR14.75%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: C

Rate History
No change since Oct 10, 2026 · 14.75% APR
14.25%14.75%15.25%Oct 10, 2026: 14.75% APROct 10, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Signature LoanTerm: 37-48 months
15.00%
View
▼
APR15.00%
Term37-48 months
Last UpdatedNot available
Details

Must be employed by current employer for 12 months to qualify

Rate History
No change since Sep 18, 2026 · 15.00% APR · checked 7 times
14.50%15.00%15.50%Sep 18, 2026: 15.00% APRSep 18, 2026Oct 13, 2026
District One Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3011 N Belt Hwy Ste B, Saint Joseph, MO, 64506 1548
Signature UnsecuredTerm: 60 months
15.00%
View
▼
APR15.00%
Interest Rate15.00%
Term60 months
Last UpdatedNot available
Details

Maximum $10,000 - Credit Score of 651 & above; Maximum $5,000 - Credit Score of 650 & below

Rate History
No change since Sep 14, 2026 · 15.00% APR · checked 6 times
14.50%15.00%15.50%Sep 14, 2026: 15.00% APRSep 14, 2026Oct 13, 2026
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature LoansTerm: 36 months
15.00%
View
▼
APR15.00%
Interest Rate15.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 625 - 674; You can borrow up to: $3,000.00

Rate History
No change since Sep 14, 2026 · 15.00% APR · checked 6 times
14.50%15.00%15.50%Sep 14, 2026: 15.00% APRSep 14, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
15.25%
View
▼
APR15.25%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 4 APR (600-639)

Rate History
No change since Oct 13, 2026 · 15.25% APR
14.75%15.25%15.75%Oct 13, 2026: 15.25% APROct 13, 2026Oct 13, 2026
Highway Crossroads Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.41%
741 York Dr, Sikeston, MO, 63801
Unsecured LoanTerm: 42 months
16.24%
View
▼
APR16.24%
Term42 months
Last UpdatedNot available
Details

Credit Score: 600-650 C; Amount: $5,000.00

Rate History
2 changes since Sep 14, 2026 · 16.24% → 16.24% ▼ 0.00 pts · high 17.74% / low 16.24%
14.74%16.99%19.24%Sep 14, 2026: 16.24% APRSep 21, 2026: 17.74% APROct 9, 2026: 16.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202616.24%▼ from 17.74%
  • Sep 21, 202617.74%▲ from 16.24%
  • Sep 14, 202616.24%first recorded
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
201 E Cherry St, Nevada, MO, 64772
Unsecured Loans
16.75%
View
▼
APR16.75%
Interest Rate14.99%
TermN/A
Last UpdatedNot available
Details

Competitive rate and terms. Rate discount for automatic payments. Debt Cancellation Coverage available for qualified borrowers. Maximum term is 36 months and payment is auto debit.

Rate History
1 change since Sep 15, 2026 · 14.99% → 16.75% ▲ 1.76 pts · high 16.75% / low 14.99%
13.23%15.87%18.51%Sep 15, 2026: 14.99% APRSep 27, 2026: 16.75% APRSep 15, 2026Oct 13, 2026
  • Sep 27, 202616.75%▲ from 14.99%
  • Sep 15, 202614.99%first recorded
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or greater (close end loans)
17.00%
View
▼
APR17.00%
TermN/A
Last UpdatedNot available
Details

$5,000; Credit Grade: D

Rate History
No change since Oct 10, 2026 · 17.00% APR
16.50%17.00%17.50%Oct 10, 2026: 17.00% APROct 10, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
17.75%
View
▼
APR17.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 5 APR (550-599)

Rate History
No change since Oct 13, 2026 · 17.75% APR
17.25%17.75%18.25%Oct 13, 2026: 17.75% APROct 13, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
18.00%
View
▼
APR18.00%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: D

Rate History
No change since Oct 10, 2026 · 18.00% APR
17.50%18.00%18.50%Oct 10, 2026: 18.00% APROct 10, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or greater (close end loans)
19.25%
View
▼
APR19.25%
TermN/A
Last UpdatedNot available
Details

$5,000; Credit Grade: E

Rate History
No change since Oct 10, 2026 · 19.25% APR
18.75%19.25%19.75%Oct 10, 2026: 19.25% APROct 10, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
19.75%
View
▼
APR19.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 6 APR (549 or lower)

Rate History
No change since Oct 13, 2026 · 19.75% APR
19.25%19.75%20.25%Oct 13, 2026: 19.75% APROct 13, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
20.00%
View
▼
APR20.00%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: E

Rate History
No change since Oct 10, 2026 · 20.00% APR
19.50%20.00%20.50%Oct 10, 2026: 20.00% APROct 10, 2026Oct 13, 2026
Highway Crossroads Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.41%
741 York Dr, Sikeston, MO, 63801
Unsecured LoanTerm: 36 months
20.24%
View
▼
APR20.24%
Term36 months
Last UpdatedNot available
Details

Credit Score: 551-599 D; Amount: $3,000.00

Rate History
No change since Sep 14, 2026 · 20.24% APR · checked 7 times
19.74%20.24%20.74%Sep 14, 2026: 20.24% APRSep 14, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
20.75%
View
▼
APR20.75%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: F

Rate History
No change since Oct 10, 2026 · 20.75% APR
20.25%20.75%21.25%Oct 10, 2026: 20.75% APROct 10, 2026Oct 13, 2026
St. Johns B&T Co.
Institution Rating:
B+4.8 ★Texas Ratio: 17.59%
8924 Saint Charles Rock Rd, Saint Louis, MO, 63114
Unsecured LoanTerm: 24 months
22.12%
View
▼
APR22.12%
Interest Rate18.00%
Term24 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 19, 2026 · 22.12% APR · checked 6 times
21.62%22.12%22.62%Sep 19, 2026: 22.12% APRSep 19, 2026Oct 13, 2026
Highway Crossroads Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.41%
741 York Dr, Sikeston, MO, 63801
Unsecured LoanTerm: 24 months
22.24%
View
▼
APR22.24%
Term24 months
Last UpdatedNot available
Details

Credit Score: 550 & Below E; Amount: $2,000.00

Rate History
No change since Sep 14, 2026 · 22.24% APR · checked 7 times
21.74%22.24%22.74%Sep 14, 2026: 22.24% APRSep 14, 2026Oct 13, 2026

Missouri Personal Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal LoanTerm: 18 Months
6.00%
View
▼
APR6.00%
Interest Rate6.00%
Term18 Months
Last UpdatedNot available
Details

with credit score 650 or >; Rate with Maximum Discount*: 5.75%; Automatic payment rate discount is -0.25% (excluding mortgage and home equity).

Rate History
1 change since Sep 18, 2026 · 11.00% → 6.00% ▼ 5.00 pts · high 11.00% / low 6.00%
1.00%8.50%16.00%Sep 18, 2026: 11.00% APRSep 27, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20266.00%▼ from 11.00%
  • Sep 18, 202611.00%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO, 64151
Personal Loan
6.99%
View
▼
APR6.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Loan Amount: $10,000.00 - $250,000.00

Rate History
1 change since Sep 14, 2026 · 11.74% → 6.99% ▼ 4.75 pts · high 11.74% / low 6.99%
2.24%9.37%16.49%Sep 14, 2026: 11.74% APROct 10, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.99%▼ from 11.74%
  • Sep 14, 202611.74%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO, 63043
Personal Loan
6.99%
View
▼
APR6.99%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 7.49% → 6.99% ▼ 0.50 pts · high 7.49% / low 6.99%
6.49%7.24%7.99%Sep 14, 2026: 7.49% APROct 10, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.99%▼ from 7.49%
  • Sep 14, 20267.49%first recorded
Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
550 S Muldrow St, Mexico, MO, 65265 2014
Personal Loans
8.00%
View
▼
APR8.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Unsecured loan; Offering rates may change

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 4 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Personal LoanTerm: Up to 36 Months
8.74%
View
▼
APR8.74%
TermUp to 36 Months
Last UpdatedNot available
Details

Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.

Rate History
No change since Sep 30, 2026 · 8.74% APR · checked 4 times
8.24%8.74%9.24%Sep 30, 2026: 8.74% APRSep 30, 2026Oct 13, 2026
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO, 64151
Personal Loan
8.99%
View
▼
APR8.99%
TermN/A
Last UpdatedNot available
Details

As Low As; Loan Amount: $10,000.00 - $100,000.00

Rate History
1 change since Sep 14, 2026 · 11.74% → 8.99% ▼ 2.75 pts · high 11.74% / low 8.99%
6.24%10.37%14.49%Sep 14, 2026: 11.74% APROct 10, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20268.99%▼ from 11.74%
  • Sep 14, 202611.74%first recorded
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Platinum Personal LoanTerm: 60 Months
9.00%
View
▼
APR9.00%
Term60 Months
Last UpdatedNot available
Details

Rate with Maximum Discount*: 8.75%

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Personal loanTerm: 36 Months
9.29%
View
▼
APR9.29%
Term36 Months
Last UpdatedNot available
Details

APR for illustration with term not exceeding 36 months; Final rate and term based on credit worthiness and collateral

Rate History
1 change since Sep 17, 2026 · 8.99% → 9.29% ▲ 0.30 pts · high 9.29% / low 8.99%
8.49%9.14%9.79%Sep 17, 2026: 8.99% APROct 5, 2026: 9.29% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20269.29%▲ from 8.99%
  • Sep 17, 20268.99%first recorded
Lutheran Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10733 Sunset Office Dr Ste 406, Saint Louis, MO, 63127 1024
PERSONAL LOANS
9.38%
View
▼
APR9.38%
TermN/A
Last UpdatedNot available
Details

STARTING AT

Rate History
1 change since Sep 14, 2026 · 9.05% → 9.38% ▲ 0.33 pts · high 9.38% / low 9.05%
8.55%9.21%9.88%Sep 14, 2026: 9.05% APROct 9, 2026: 9.38% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20269.38%▲ from 9.05%
  • Sep 14, 20269.05%first recorded
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal LoanTerm: 60 Months
9.99%
View
▼
APR9.99%
Term60 Months
Last UpdatedNot available
Details

As Low As; Loan amount: Up to $15,000

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.18%
4161 Highway K, O Fallon, MO, 63368 8294
Personal LoansTerm: Up to 60 months
9.99%
View
▼
APR9.99%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Rate quoted "as low as"; APRs based on credit history and other factors and can vary

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 6 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO, 63026 1913
Personal LoanTerm: Revolving Credit Ter
9.99%
View
▼
APR9.99%
TermRevolving Credit Ter
Last UpdatedNot available
Details

Term: Revolving Credit Terms; As Low As; Up to $25,000 with flexible terms

Rate History
No change since Oct 9, 2026 · 9.99% APR · checked 2 times
9.49%9.99%10.49%Oct 9, 2026: 9.99% APROct 9, 2026Oct 13, 2026
Summit Ridge Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
3485 NE Ralph Powell Rd, Lees Summit, MO, 64064
Personal LoansTerm: up to 60 months
9.99%
View
▼
APR9.99%
Termup to 60 months
Last UpdatedNot available
Details

As Low As; Rates as low as 9.99% up to 60 months

Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 7 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal LoanTerm: 12 months
10.00%
View
▼
APR10.00%
Term12 months
Last UpdatedNot available
Details

As low As*:

Rate History
No change since Oct 8, 2026 · 10.00% APR · checked 2 times
9.50%10.00%10.50%Oct 8, 2026: 10.00% APROct 8, 2026Oct 13, 2026
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2804 W Ash St, Columbia, MO, 65203 4601
Preferred Personal LoanTerm: Up to 60 months
10.00%
View
▼
APR10.00%
TermUp to 60 months
Last UpdatedNot available
Details

Max. loan $20,000

Rate History
No change since Sep 18, 2026 · 10.00% APR · checked 5 times
9.50%10.00%10.50%Sep 18, 2026: 10.00% APRSep 18, 2026Oct 13, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal LoanTerm: Up To 48 Months
10.49%
View
▼
APR10.49%
TermUp To 48 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal LoanTerm: 24 months
10.50%
View
▼
APR10.50%
Term24 months
Last UpdatedNot available
Details

As low As*:

Rate History
No change since Oct 8, 2026 · 10.50% APR · checked 2 times
10.00%10.50%11.00%Oct 8, 2026: 10.50% APROct 8, 2026Oct 13, 2026
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2804 W Ash St, Columbia, MO, 65203 4601
Personal LoanTerm: 24 or 36 months
10.50%
View
▼
APR10.50%
Term24 or 36 months
Last UpdatedNot available
Details

Max. loan $5,000

Rate History
No change since Oct 1, 2026 · 10.50% APR · checked 2 times
10.00%10.50%11.00%Oct 1, 2026: 10.50% APROct 1, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Personal LoanTerm: 37-60 Months
10.69%
View
▼
APR10.69%
Term37-60 Months
Last UpdatedNot available
Details

Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.

Rate History
No change since Sep 30, 2026 · 10.69% APR · checked 4 times
10.19%10.69%11.19%Sep 30, 2026: 10.69% APRSep 30, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal LoanTerm: Up to 24 months
10.84%
View
▼
APR10.84%
TermUp to 24 months
Last UpdatedNot available
Details

As Low As; Max loan amount: $20,000

Rate History
No change since Sep 14, 2026 · 10.84% APR · checked 8 times
10.34%10.84%11.34%Sep 14, 2026: 10.84% APRSep 14, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal LoanTerm: 72 Months
10.99%
View
▼
APR10.99%
Term72 Months
Last UpdatedNot available
Details

As Low As; Loan amount: $15,000 - $25,000

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 9 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Vantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.97%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal LoanTerm: Up to 60 months
10.99%
View
▼
APR10.99%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Personal Loan

Rate History
No change since Sep 18, 2026 · 10.99% APR · checked 5 times
10.49%10.99%11.49%Sep 18, 2026: 10.99% APRSep 18, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal LoanTerm: 36 months
11.00%
View
▼
APR11.00%
Term36 months
Last UpdatedNot available
Details

As low As*:

Rate History
No change since Sep 16, 2026 · 11.00% APR · checked 4 times
10.50%11.00%11.50%Sep 16, 2026: 11.00% APRSep 16, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal LoanTerm: 18 Months
11.00%
View
▼
APR11.00%
Interest Rate11.00%
Term18 Months
Last UpdatedNot available
Details

with credit score of less than 650; Rate with Maximum Discount*: 10.75%; Automatic payment rate discount is -0.25% (excluding mortgage and home equity).

Rate History
No change since Sep 18, 2026 · 11.00% APR · checked 5 times
10.50%11.00%11.50%Sep 18, 2026: 11.00% APRSep 18, 2026Oct 13, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal LoanTerm: Up To 60 Months
11.49%
View
▼
APR11.49%
TermUp To 60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 11.49% APR · checked 6 times
10.99%11.49%11.99%Sep 14, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO, 64055
Personal Loan
11.74%
View
▼
APR11.74%
TermN/A
Last UpdatedNot available
Details

Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00

Rate History
No change since Sep 29, 2026 · 11.74% APR
11.24%11.74%12.24%Sep 29, 2026: 11.74% APRSep 29, 2026Oct 13, 2026
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO, 64151
Personal Loan
11.74%
View
▼
APR11.74%
TermN/A
Last UpdatedNot available
Details

Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00

Rate History
No change since Sep 14, 2026 · 11.74% APR · checked 7 times
11.24%11.74%12.24%Sep 14, 2026: 11.74% APRSep 14, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal LoanTerm: 36 months
11.80%
View
▼
APR11.80%
Term36 months
Last UpdatedNot available
Details

As Low As; Max loan amount: $20,000

Rate History
No change since Sep 14, 2026 · 11.80% APR · checked 8 times
11.30%11.80%12.30%Sep 14, 2026: 11.80% APRSep 14, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Unsecured/Personal LoansTerm: Maximum 60 Months
11.90%
View
▼
APR11.90%
TermMaximum 60 Months
Last UpdatedNot available
Details

As Low As; Lowest APR available will be determined at time of application and will be dependent upon credit score.

Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 6 times
11.40%11.90%12.40%Sep 14, 2026: 11.90% APRSep 14, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal LoanTerm: 84 Months
11.99%
View
▼
APR11.99%
Term84 Months
Last UpdatedNot available
Details

As Low As; Loan amount: $25,000 or more

Rate History
No change since Sep 14, 2026 · 11.99% APR · checked 9 times
11.49%11.99%12.49%Sep 14, 2026: 11.99% APRSep 14, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal LoanTerm: 48 months
12.00%
View
▼
APR12.00%
Term48 months
Last UpdatedNot available
Details

As low As*:

Rate History
No change since Oct 8, 2026 · 12.00% APR · checked 2 times
11.50%12.00%12.50%Oct 8, 2026: 12.00% APROct 8, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
Unsecured Personal LoanTerm: 12 months
12.24%
View
▼
APR12.24%
Term12 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 16, 2026 · 12.24% APR · checked 5 times
11.74%12.24%12.74%Sep 16, 2026: 12.24% APRSep 16, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
12.25%
View
▼
APR12.25%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 1 APR (730+)

Rate History
No change since Oct 13, 2026 · 12.25% APR
11.75%12.25%12.75%Oct 13, 2026: 12.25% APROct 13, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal LoanTerm: 48 months
12.30%
View
▼
APR12.30%
Term48 months
Last UpdatedNot available
Details

As Low As; Max loan amount: $20,000

Rate History
No change since Sep 14, 2026 · 12.30% APR · checked 8 times
11.80%12.30%12.80%Sep 14, 2026: 12.30% APRSep 14, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
Unsecured Personal LoanTerm: 60 month
12.49%
View
▼
APR12.49%
Term60 month
Last UpdatedNot available
Details

Rates may vary depending on credit, loan amount, and loan term. A document preparation fee of $99.00 applies. If you borrow the maximum amount of $15,000 at 12.24% for a 60 month term, your minimum monthly payment would be $333.65. This rate includes a .25% deduction if using direct deposit of at least $250 into an NJFCU checking account. If direct deposit is not selected, the APR is .25% higher than the published APR. Fees Apply.

Rate History
No change since Sep 16, 2026 · 12.49% APR · checked 5 times
11.99%12.49%12.99%Sep 16, 2026: 12.49% APRSep 16, 2026Oct 13, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.12%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal LoanTerm: Up to 72 Months
12.49%
View
▼
APR12.49%
TermUp to 72 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.49% APR · checked 6 times
11.99%12.49%12.99%Sep 14, 2026: 12.49% APRSep 14, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
Personal LoanTerm: UP TO 5 years REPAY
12.50%
View
▼
APR12.50%
TermUP TO 5 years REPAY
Last UpdatedNot available
Details

As Low As; Up to $12,000 max; New loans only

Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 9 times
12.00%12.50%13.00%Sep 14, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
12.75%
View
▼
APR12.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 2 APR (680-729)

Rate History
No change since Oct 13, 2026 · 12.75% APR
12.25%12.75%13.25%Oct 13, 2026: 12.75% APROct 13, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal LoanTerm: 60 months
12.99%
View
▼
APR12.99%
Term60 months
Last UpdatedNot available
Details

As Low As; Max loan amount: $20,000

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 8 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Personal LoanTerm: 60 Months
13.00%
View
▼
APR13.00%
Term60 Months
Last UpdatedNot available
Details

Rate with Maximum Discount*: 12.75%

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 6 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
13.75%
View
▼
APR13.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 3 APR (640-679)

Rate History
No change since Oct 13, 2026 · 13.75% APR
13.25%13.75%14.25%Oct 13, 2026: 13.75% APROct 13, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal LoanTerm: 60 months
14.00%
View
▼
APR14.00%
Term60 months
Last UpdatedNot available
Details

As low As*:

Rate History
No change since Oct 8, 2026 · 14.00% APR · checked 2 times
13.50%14.00%14.50%Oct 8, 2026: 14.00% APROct 8, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
15.25%
View
▼
APR15.25%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 4 APR (600-639)

Rate History
No change since Oct 13, 2026 · 15.25% APR
14.75%15.25%15.75%Oct 13, 2026: 15.25% APROct 13, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
17.75%
View
▼
APR17.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 5 APR (550-599)

Rate History
No change since Oct 13, 2026 · 17.75% APR
17.25%17.75%18.25%Oct 13, 2026: 17.75% APROct 13, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
19.75%
View
▼
APR19.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 6 APR (549 or lower)

Rate History
No change since Oct 13, 2026 · 19.75% APR
19.25%19.75%20.25%Oct 13, 2026: 19.75% APROct 13, 2026Oct 13, 2026

Missouri Debt Consolidation Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO, 64055
Debt Consolidation LoanTerm: up to 60 months
7.99%
View
▼
APR7.99%
Termup to 60 months
Last UpdatedNot available
Details

Up to $15,000; promotional rate available September 1 to December 31, 2026; limit one Debt Consolidation Loan per member; existing debt consolidation loan can be refinanced; automatic payments and direct deposit into an IFCU checking account required

Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO, 64055
Signature Loan - Including Debt ConsolidationTerm: 1-5 year term
8.99%
View
▼
APR8.99%
Term1-5 year term
Last UpdatedNot available
Details

As Low As; Personal Loan

Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
DebtBuster/No Equity LoanTerm: 5-year payback
10.00%
View
▼
APR10.00%
Term5-year payback
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 8 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026

Missouri Signature Loan Rates

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TelComm Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
161 US Highway 60 W, Republic, MO, 65738
Signature Loan (Unsecured)
7.49%
View
▼
APR7.49%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Oct 13, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 13, 2026: 7.49% APROct 13, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature LoanTerm: 6 Months
8.00%
View
▼
APR8.00%
Term6 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
St Louis Policemen`s Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1915 Olive St, Saint Louis, MO, 63103
Signature Loan
8.00%
View
▼
APR8.00%
TermN/A
Last UpdatedNot available
Details

Published APR range: 8.0% - 14.0%.

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
The Wedding Loan (Signature Loan)Term: up to 60 months
8.25%
View
▼
APR8.25%
Termup to 60 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 6 times
7.75%8.25%8.75%Sep 14, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO, 64055
Signature Loan - Including Debt ConsolidationTerm: 1-5 year term
8.99%
View
▼
APR8.99%
Term1-5 year term
Last UpdatedNot available
Details

As Low As; Personal Loan

Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature LoanTerm: 24 Months
9.00%
View
▼
APR9.00%
Interest Rate9.00%
Term24 Months
Last UpdatedNot available
Details

Published rate range: 9.00% - 18.00%.

Rate History
No change since Sep 14, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 14, 2026: 9.00% APRSep 14, 2026Oct 13, 2026
Community First Credit Union Hannibal, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
6460 Interstate Ct, Hannibal, MO, 63401
Signature Loans
9.24%
View
▼
APR9.24%
TermN/A
Last UpdatedNot available
Details

As Low As; Depending on Credit Score; please see rate sheet for details

Rate History
No change since Sep 14, 2026 · 9.24% APR · checked 6 times
8.74%9.24%9.74%Sep 14, 2026: 9.24% APRSep 14, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Signature LoansTerm: 1 to 60 months
9.29%
View
▼
APR9.29%
Term1 to 60 months
Last UpdatedNot available
Details

As Low As; APR* as low as; Signature loan; Other rates and terms may be available

Rate History
1 change since Sep 14, 2026 · 8.99% → 9.29% ▲ 0.30 pts · high 9.29% / low 8.99%
8.49%9.14%9.79%Sep 14, 2026: 8.99% APROct 5, 2026: 9.29% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20269.29%▲ from 8.99%
  • Sep 14, 20268.99%first recorded
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.93%
3921 Oakland Ave, Saint Joseph, MO, 64506
Signature Loan
9.75%
View
▼
APR9.75%
TermN/A
Last UpdatedNot available
Details

As Low As; Rates quoted As Low As are determined by underwriting guidelines including member's credit bureau score and term of loan. Contact a Consumer Loan Officer for more information.

Rate History
No change since Sep 14, 2026 · 9.75% APR · checked 6 times
9.25%9.75%10.25%Sep 14, 2026: 9.75% APRSep 14, 2026Oct 13, 2026
National Police Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
106 W Madison Ave Ste 200, Saint Louis, MO, 63122 4200
Signature Loans
9.90%
View
▼
APR9.90%
TermN/A
Last UpdatedNot available
Details

Published APR range: 9.90%-17.90%.

Rate History
No change since Sep 16, 2026 · 9.90% APR · checked 5 times
9.40%9.90%10.40%Sep 16, 2026: 9.90% APRSep 16, 2026Oct 13, 2026
Catholic Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.22%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
Signature Loans
9.90%
View
▼
APR9.90%
TermN/A
Last UpdatedNot available
Details

As Low As; Flexible Rates section

Rate History
No change since Sep 18, 2026 · 9.90% APR · checked 5 times
9.40%9.90%10.40%Sep 18, 2026: 9.90% APRSep 18, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature LoanTerm: 24 Months
10.00%
View
▼
APR10.00%
Term24 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 6 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature LoanTerm: 25 - 36 Months
10.00%
View
▼
APR10.00%
Interest Rate10.00%
Term25 - 36 Months
Last UpdatedNot available
Details

Published rate range: 10.00% - 18.00%.

Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 6 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or greater (close end loans)
10.25%
View
▼
APR10.25%
TermN/A
Last UpdatedNot available
Details

$5,000; Credit Grade: A

Rate History
No change since Oct 10, 2026 · 10.25% APR
9.75%10.25%10.75%Oct 10, 2026: 10.25% APROct 10, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Member's Choice (Signature Loan)Term: up to 60 months
10.45%
View
▼
APR10.45%
Termup to 60 months
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 14, 2026 · 10.45% APR · checked 6 times
9.95%10.45%10.95%Sep 14, 2026: 10.45% APRSep 14, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Signature LoanTerm: 36 Months
10.49%
View
▼
APR10.49%
Term36 Months
Last UpdatedNot available
Details

As Low As; $500 minimum; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 7 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
663 W Highway 60, Monett, MO, 65708
Signature LoanTerm: Up to 60 Months
10.49%
View
▼
APR10.49%
TermUp to 60 Months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 10.49% APR · checked 6 times
9.99%10.49%10.99%Sep 14, 2026: 10.49% APRSep 14, 2026Oct 13, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO, 64055
Signature LoanTerm: Up to 60 months
10.70%
View
▼
APR10.70%
TermUp to 60 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 10.70% APR · checked 5 times
10.20%10.70%11.20%Sep 14, 2026: 10.70% APRSep 14, 2026Oct 13, 2026
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO, 64057 1226
Signature Loan
10.71%
View
▼
APR10.71%
TermN/A
Last UpdatedNot available
Details

As Low As

Rate History
No change since Sep 22, 2026 · 10.71% APR · checked 4 times
10.21%10.71%11.21%Sep 22, 2026: 10.71% APRSep 22, 2026Oct 13, 2026
St Louis Community Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.32%
3651 Forest Park Ave, Saint Louis, MO, 63108
Works For Me Signature LoansTerm: Up to 60 months
10.99%
View
▼
APR10.99%
TermUp to 60 months
Last UpdatedNot available
Details

Maximum $15,000

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 7 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.09%
3301 Texas Ave, Joplin, MO, 64804
Signature Loan
10.99%
View
▼
APR10.99%
TermN/A
Last UpdatedNot available
Details

As Low As; APR excludes loan fees

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
KC Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
601 E 12th St Rm G 61, Kansas City, MO, 64106
Signature Loan
10.99%
View
▼
APR10.99%
TermN/A
Last UpdatedNot available
Details

As Low As; for qualified applicants; loan up to $15,000 for qualified applicants; rate, loan limit and term depend on credit score and debt to income ratio

Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 6 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature LoanTerm: Up to 36 months
11.00%
View
▼
APR11.00%
TermUp to 36 months
Last UpdatedNot available
Details

As Low As; Terms: Up to 36 months

Rate History
1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75%
10.25%10.88%11.50%Sep 14, 2026: 10.75% APRSep 29, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 202611.00%▲ from 10.75%
  • Sep 14, 202610.75%first recorded
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1770 W SUNSET ST, SPRINGFIELD, MO, 65807
Signature Loan
11.00%
View
▼
APR11.00%
TermN/A
Last UpdatedNot available
Details

As Low As; Term: Varies

Rate History
No change since Sep 22, 2026 · 11.00% APR · checked 4 times
10.50%11.00%11.50%Sep 22, 2026: 11.00% APRSep 22, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature LoanTerm: 37 - 48 Months
11.00%
View
▼
APR11.00%
Interest Rate11.00%
Term37 - 48 Months
Last UpdatedNot available
Details

Published rate range: 11.00% - 18.00%.

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 6 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Signature LoanTerm: 37-60 Months
11.24%
View
▼
APR11.24%
Term37-60 Months
Last UpdatedNot available
Details

As Low As; $500 minimum; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
No change since Sep 14, 2026 · 11.24% APR · checked 7 times
10.74%11.24%11.74%Sep 14, 2026: 11.24% APRSep 14, 2026Oct 13, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.16%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Personal (Signature) LoanTerm: 1 - 36 months
11.25%
View
▼
APR11.25%
Term1 - 36 months
Last UpdatedNot available
Details

As Low As; APR range 11.25% - 19.00%

Rate History
No change since Oct 9, 2026 · 11.25% APR · checked 2 times
10.75%11.25%11.75%Oct 9, 2026: 11.25% APROct 9, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
11.25%
View
▼
APR11.25%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: A

Rate History
No change since Oct 10, 2026 · 11.25% APR
10.75%11.25%11.75%Oct 10, 2026: 11.25% APROct 10, 2026Oct 13, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature LoanTerm: Up to 48 months
11.50%
View
▼
APR11.50%
TermUp to 48 months
Last UpdatedNot available
Details

As Low As; Terms: Up to 48 months; Minimum Loan Amount: $3,000

Rate History
1 change since Sep 14, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25%
10.75%11.38%12.00%Sep 14, 2026: 11.25% APRSep 29, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 202611.50%▲ from 11.25%
  • Sep 14, 202611.25%first recorded
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
Signature LoansTerm: Up to 36 months
11.75%
View
▼
APR11.75%
TermUp to 36 months
Last UpdatedNot available
Details

Starting as low as 11.75% APR

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 7 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature LoanTerm: 24 months
11.75%
View
▼
APR11.75%
Term24 months
Last UpdatedNot available
Details

Consumer Loan Rates

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 6 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
805 W Stadium Blvd, Jefferson City, MO, 65109
Signature Loan
11.90%
View
▼
APR11.90%
TermN/A
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 11.90% APR · checked 6 times
11.40%11.90%12.40%Sep 14, 2026: 11.90% APRSep 14, 2026Oct 13, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature LoanTerm: Up to 60 months
12.00%
View
▼
APR12.00%
TermUp to 60 months
Last UpdatedNot available
Details

As Low As; Terms: Up to 60 months; Minimum Loan Amount: $10,000

Rate History
1 change since Sep 14, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75%
11.25%11.88%12.50%Sep 14, 2026: 11.75% APRSep 29, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 202612.00%▲ from 11.75%
  • Sep 14, 202611.75%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Signature LoanTerm: 1-36 Months
12.00%
View
▼
APR12.00%
Term1-36 Months
Last UpdatedNot available
Details

As Low As; APR* as low as 12.00%

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
310 N Missouri St, Macon, MO, 63552
Signature LoansTerm: 60 months
12.00%
View
▼
APR12.00%
Term60 months
Last UpdatedNot available
Details

As Low As; Rate as low as*

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature LoansTerm: 36 months
12.00%
View
▼
APR12.00%
Interest Rate12.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 750+; You can borrow up to: $5,000.00

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Signature LoanTerm: 60 months max term
12.00%
View
▼
APR12.00%
Term60 months max term
Last UpdatedNot available
Details

As Low As; $12,000 limit per household; Rates based on Applicant's Credit Bureau score.

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★Texas Ratio: 5.97%
663 W Highway 60, Monett, MO, 65708 8215
Signature LoansTerm: Up to 60 Months
12.24%
View
▼
APR12.24%
TermUp to 60 Months
Last UpdatedNot available
Details

Loan Amount: $7,500 up to $25,000; APR reflects AutoPay .25% deduction

Rate History
No change since Sep 18, 2026 · 12.24% APR · checked 5 times
11.74%12.24%12.74%Sep 18, 2026: 12.24% APRSep 18, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
12.25%
View
▼
APR12.25%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 1 APR (730+)

Rate History
No change since Oct 13, 2026 · 12.25% APR
11.75%12.25%12.75%Oct 13, 2026: 12.25% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature LoanTerm: 36 months
12.25%
View
▼
APR12.25%
Term36 months
Last UpdatedNot available
Details

Consumer Loan Rates

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 6 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or greater (close end loans)
12.25%
View
▼
APR12.25%
TermN/A
Last UpdatedNot available
Details

$5,000; Credit Grade: B

Rate History
No change since Oct 10, 2026 · 12.25% APR
11.75%12.25%12.75%Oct 10, 2026: 12.25% APROct 10, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
12.75%
View
▼
APR12.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 2 APR (680-729)

Rate History
No change since Oct 13, 2026 · 12.75% APR
12.25%12.75%13.25%Oct 13, 2026: 12.75% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature LoanTerm: 48 months
12.75%
View
▼
APR12.75%
Term48 months
Last UpdatedNot available
Details

Consumer Loan Rates

Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 6 times
12.25%12.75%13.25%Sep 14, 2026: 12.75% APRSep 14, 2026Oct 13, 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature LoanTerm: 60 Months
12.99%
View
▼
APR12.99%
Term60 Months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 14, 2026 · 12.99% APR · checked 6 times
12.49%12.99%13.49%Sep 14, 2026: 12.99% APRSep 14, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Signature LoanTerm: 0-12 months
13.00%
View
▼
APR13.00%
Term0-12 months
Last UpdatedNot available
Details

Must be employed by current employer for 12 months to qualify

Rate History
No change since Sep 18, 2026 · 13.00% APR · checked 7 times
12.50%13.00%13.50%Sep 18, 2026: 13.00% APRSep 18, 2026Oct 13, 2026
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature LoansTerm: 36 months
13.00%
View
▼
APR13.00%
Interest Rate13.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 700 - 749; You can borrow up to: $5,000.00

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 6 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1111 E 23rd St S, Independence, MO, 64055
Signature LoanTerm: Up to 48 months
13.00%
View
▼
APR13.00%
TermUp to 48 months
Last UpdatedNot available
Details

As low as

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 6 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
13.25%
View
▼
APR13.25%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: B

Rate History
No change since Oct 10, 2026 · 13.25% APR
12.75%13.25%13.75%Oct 10, 2026: 13.25% APROct 10, 2026Oct 13, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO, 64093
Term SignatureTerm: 12 months
13.35%
View
▼
APR13.35%
Term12 months
Last UpdatedNot available
Details

No additional details available.

Rate History
No change since Sep 29, 2026 · 13.35% APR · checked 4 times
12.85%13.35%13.85%Sep 29, 2026: 13.35% APRSep 29, 2026Oct 13, 2026
Assemblies Of God Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
1535 N Campbell Ave, Springfield, MO, 65803
Signature Loan
13.49%
View
▼
APR13.49%
TermN/A
Last UpdatedNot available
Details

As Low As; Term: Varies; Rates Effective 10/01/23; Actual APR may differ based on credit history, approved loan amount and term

Rate History
No change since Sep 22, 2026 · 13.49% APR · checked 4 times
12.99%13.49%13.99%Sep 22, 2026: 13.49% APRSep 22, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
13.75%
View
▼
APR13.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 3 APR (640-679)

Rate History
No change since Oct 13, 2026 · 13.75% APR
13.25%13.75%14.25%Oct 13, 2026: 13.75% APROct 13, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or greater (close end loans)
13.75%
View
▼
APR13.75%
TermN/A
Last UpdatedNot available
Details

$5,000; Credit Grade: C

Rate History
No change since Oct 10, 2026 · 13.75% APR
13.25%13.75%14.25%Oct 10, 2026: 13.75% APROct 10, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Signature LoanTerm: 13-24 months
14.00%
View
▼
APR14.00%
Term13-24 months
Last UpdatedNot available
Details

Must be employed by current employer for 12 months to qualify

Rate History
No change since Sep 18, 2026 · 14.00% APR · checked 7 times
13.50%14.00%14.50%Sep 18, 2026: 14.00% APRSep 18, 2026Oct 13, 2026
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loan (A - E)Term: 44 months
14.00%
View
▼
APR14.00%
Interest Rate12.50%
Term44 months
Last UpdatedNot available
Details

Up to $5,000; Published APR range: 12.50% to 22.00%.

Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 6 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Term Signature, LoanTerm: 6 months
14.00%
View
▼
APR14.00%
Interest Rate12.50%
Term6 months
Last UpdatedNot available
Details

Up to $5,000; Published APR range: 12.50% to 22.00%.

Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 6 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Signature LoansTerm: up to 12 months
14.00%
View
▼
APR14.00%
Termup to 12 months
Last UpdatedNot available
Details

As Low As; Amount: Up to $1,500.00

Rate History
No change since Sep 22, 2026 · 14.00% APR · checked 4 times
13.50%14.00%14.50%Sep 22, 2026: 14.00% APRSep 22, 2026Oct 13, 2026
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature LoansTerm: 36 months
14.00%
View
▼
APR14.00%
Interest Rate14.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 675 - 699; You can borrow up to: $4,000.00

Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 6 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Signature LoanTerm: 25-36 months
14.50%
View
▼
APR14.50%
Term25-36 months
Last UpdatedNot available
Details

Must be employed by current employer for 12 months to qualify

Rate History
No change since Sep 18, 2026 · 14.50% APR · checked 7 times
14.00%14.50%15.00%Sep 18, 2026: 14.50% APRSep 18, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
14.75%
View
▼
APR14.75%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: C

Rate History
No change since Oct 10, 2026 · 14.75% APR
14.25%14.75%15.25%Oct 10, 2026: 14.75% APROct 10, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Signature LoanTerm: 37-48 months
15.00%
View
▼
APR15.00%
Term37-48 months
Last UpdatedNot available
Details

Must be employed by current employer for 12 months to qualify

Rate History
No change since Sep 18, 2026 · 15.00% APR · checked 7 times
14.50%15.00%15.50%Sep 18, 2026: 15.00% APRSep 18, 2026Oct 13, 2026
District One Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3011 N Belt Hwy Ste B, Saint Joseph, MO, 64506 1548
Signature UnsecuredTerm: 60 months
15.00%
View
▼
APR15.00%
Interest Rate15.00%
Term60 months
Last UpdatedNot available
Details

Maximum $10,000 - Credit Score of 651 & above; Maximum $5,000 - Credit Score of 650 & below

Rate History
No change since Sep 14, 2026 · 15.00% APR · checked 6 times
14.50%15.00%15.50%Sep 14, 2026: 15.00% APRSep 14, 2026Oct 13, 2026
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature LoansTerm: 36 months
15.00%
View
▼
APR15.00%
Interest Rate15.00%
Term36 months
Last UpdatedNot available
Details

Credit Score: 625 - 674; You can borrow up to: $3,000.00

Rate History
No change since Sep 14, 2026 · 15.00% APR · checked 6 times
14.50%15.00%15.50%Sep 14, 2026: 15.00% APRSep 14, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
15.25%
View
▼
APR15.25%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 4 APR (600-639)

Rate History
No change since Oct 13, 2026 · 15.25% APR
14.75%15.25%15.75%Oct 13, 2026: 15.25% APROct 13, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or greater (close end loans)
17.00%
View
▼
APR17.00%
TermN/A
Last UpdatedNot available
Details

$5,000; Credit Grade: D

Rate History
No change since Oct 10, 2026 · 17.00% APR
16.50%17.00%17.50%Oct 10, 2026: 17.00% APROct 10, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
17.75%
View
▼
APR17.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 5 APR (550-599)

Rate History
No change since Oct 13, 2026 · 17.75% APR
17.25%17.75%18.25%Oct 13, 2026: 17.75% APROct 13, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
18.00%
View
▼
APR18.00%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: D

Rate History
No change since Oct 10, 2026 · 18.00% APR
17.50%18.00%18.50%Oct 10, 2026: 18.00% APROct 10, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or greater (close end loans)
19.25%
View
▼
APR19.25%
TermN/A
Last UpdatedNot available
Details

$5,000; Credit Grade: E

Rate History
No change since Oct 10, 2026 · 19.25% APR
18.75%19.25%19.75%Oct 10, 2026: 19.25% APROct 10, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Personal Loan - SignatureTerm: 24 to 36 months
19.75%
View
▼
APR19.75%
Term24 to 36 months
Last UpdatedNot available
Details

As Low As; Level 6 APR (549 or lower)

Rate History
No change since Oct 13, 2026 · 19.75% APR
19.25%19.75%20.25%Oct 13, 2026: 19.75% APROct 13, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
20.00%
View
▼
APR20.00%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: E

Rate History
No change since Oct 10, 2026 · 20.00% APR
19.50%20.00%20.50%Oct 10, 2026: 20.00% APROct 10, 2026Oct 13, 2026
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
2010 William St, Jefferson city, MO, 65109
Signature Loan or less (close end loans)
20.75%
View
▼
APR20.75%
TermN/A
Last UpdatedNot available
Details

$4,999; Credit Grade: F

Rate History
No change since Oct 10, 2026 · 20.75% APR
20.25%20.75%21.25%Oct 10, 2026: 20.75% APROct 10, 2026Oct 13, 2026

Missouri Personal Loan Rate Trends

Compare local Missouri 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.

View Full Missouri Personal Loan Trends
Personal Loan MO Avg
10.595%
▼ 0.030 vs 7 days ago

Missouri personal loan rates fell 0.030 points over the past 7 days to 10.595% APR.

Signature Loan MO Avg
11.188%
▲ 0.024 vs 7 days ago

Missouri signature loan rates rose 0.024 points over the past 7 days to 11.188% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates

Missouri Personal Loan Rate Forecast, Next 12 Months

Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Missouri figures.

Current Personal Loan Avg
10.60%
APR, as of Oct 13, 2026
6-Month Forecast
10.68%
Fed hold assumed
12-Month Forecast
10.75%
Range: 10.40% to 10.95%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Payment Be?

Estimated monthly payments at the current MO average personal loan APR of 10.60%, across the terms lenders serving Missouri most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.

Loan Amount 24 Months 36 Months 48 Months 60 Months
$5,000 $232.10/mo $162.74/mo $128.25/mo $107.71/mo
$10,000 $464.20/mo $325.47/mo $256.49/mo $215.41/mo
$15,000 $696.30/mo $488.21/mo $384.74/mo $323.12/mo
$25,000 $1,160.51/mo $813.69/mo $641.24/mo $538.53/mo
$35,000 $1,624.71/mo $1,139.16/mo $897.73/mo $753.94/mo

Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.

Powered byMonitorBankRates

Consolidating Credit Card Debt in Missouri

Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the MO personal loan average versus a range of typical credit card APRs.

Repayment Option APR Monthly Payment Total Interest Interest Saved
Personal Loan (MO average) 10.60% $384.74 $3,468
Credit card at 18% APR 18.00% $440.62 $6,150 $2,682
Credit card at 22% APR 22.00% $472.59 $7,684 $4,217
Credit card at 26% APR 26.00% $505.76 $9,276 $5,809

The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.

How to Get the Best Personal Loan Rate in Missouri

1

Prequalify With a Soft Credit Check

Most lenders serving Missouri will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.

2

Compare APR, Not the Interest Rate

Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.

3

Check Local Credit Unions First

Credit unions consistently publish the lowest personal loan APRs in our Missouri data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.

4

Borrow Only What You Need, for as Short a Term as You Can

Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.

A personal loan may not be the cheapest option for your situation

Missouri Financial Snapshot

Local demographics and economic context for borrowers. Source: U.S. Census Bureau

$42,774
Median Individual Earnings
National avg: $47,340
4.0%
Unemployment Rate
National avg: 4.8%
12.6%
Poverty Rate
National avg: 11.1%
$385/mo
Payment on a $15K / 48-mo Loan
At the MO average 10.60% APR

A $385 monthly loan payment is roughly 10.8% of the median individual income in Missouri. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.

Personal Loan vs. Other Ways to Borrow

A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Missouri.

Feature Personal Loan Credit Card 0% Balance Transfer Home Equity Loan / HELOC
Typical APR Level ● Mid, fixed ✗ Highest, variable ✓ 0% for a promo window ✓ Usually lowest
Collateral Required ✓ None ✓ None ✓ None ✗ Your home is at risk
Payment Predictability ✓ Fixed payment and payoff date ✗ Revolving, can last indefinitely ● Rate jumps when promo ends ● Fixed for loans, variable for HELOCs
Speed to Funding ✓ Often 1 to 3 business days ✓ Immediate if you hold the card ● Card approval plus transfer time ✗ Weeks (appraisal and closing)
Upfront Costs ● Origination fee up to ~10% ✓ None ● Transfer fee, typically 3 to 5% ● Closing costs possible
Best For Consolidation and one-off costs, no collateral Small balances paid in full monthly Debt you can clear inside the promo window Large projects when you have equity and time

General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.

Personal Loan Payment Calculator

Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current MO average, or click any rate on the right to apply it instantly.

$
%
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Total Interest Paid$0
Total of All Payments$0
Origination Fee$0
Cash You Actually Receive$0
Total Cost of Borrowing$0

Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Missouri 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 Missouri 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 Missouri. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MO.

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.

Personal Loans for Bad Credit in Missouri

A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.

Avg. personal loan APR we track: 11.02%Federal credit union cap: 18% APRCredit union PAL cap: 28% APR

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.

Ask About a Payday Alternative Loan

Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.

Secure the Loan With Savings

A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.

Add a Cosigner or Co-borrower

A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.

Prequalify Before You Apply

Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.

Avoid Payday and Title Loans

The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.

See Personal Loans for Bad Credit
Powered byMonitorBankRates

Frequently Asked Questions

What credit score do I need for a personal loan in Missouri?

Most lenders in Missouri 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 Missouri often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Missouri 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 Missouri?

Yes. Debt consolidation is one of the most common uses of personal loans in Missouri. 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 Missouri?

Credit unions in Missouri 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 is an origination fee on a personal loan?

An origination fee is a one-time charge some lenders deduct from your loan proceeds, commonly 1% to 10% of the amount borrowed. On a $15,000 loan a 5% fee means you receive $14,250 but still owe interest on the full $15,000. The fee is built into the APR but not the interest rate, so compare lenders serving Missouri on APR. Many credit unions charge no origination fee at all.

Does checking personal loan rates hurt my credit score?

Prequalifying does not. Most lenders let you check an estimated rate with a soft credit inquiry that is invisible to other lenders and does not affect your score. Only a formal application triggers a hard inquiry. If you submit several full applications, group them within a short shopping window so credit scoring models treat them as one rate-shopping event.

Can I pay off a personal loan early?

Most personal loans from banks and credit unions serving Missouri carry no prepayment penalty, so paying early reduces your total interest. Confirm before signing, because a small number of lenders charge a prepayment fee or use precomputed interest, which removes the benefit of paying ahead of schedule.

Can I get a personal loan with bad credit in Missouri?

Yes. Credit unions, community banks, and some online lenders approve borrowers with fair or poor credit, often for smaller amounts or with a cosigner or collateral. A secured loan backed by your savings or a CD is the easiest approval and also helps rebuild your credit.

What is the maximum APR on a bad credit personal loan from a credit union?

Federal credit unions are limited to 18% APR on most loans through September 10, 2027. Payday alternative loans from federal credit unions are capped at 28% APR with an application fee of no more than $20. State chartered credit unions follow state law, and other lenders can charge much more, so always compare the APR.

What are the best personal loan rates in Missouri?

  • MECE Credit Union: 6.00% (Short-term Personal Loan)
  • CommunityAmerica Credit Union: 6.99% (Personal Loan)
  • Baxter Credit Union: 6.99% (Personal Loan)
  • TelComm Credit Union: 7.49% (Signature Loan (Unsecured))
  • Lutheran Federal Credit Union: 7.54% (RCW Consolidation Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026.

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Cities in Missouri

  • Adrian
  • Advance
  • Agency
  • Airport Drive
  • Alba
  • Albany
  • Aldrich
  • Alexandria
  • Allendale
  • Allenton
  • Allenville
  • Alma
  • Altamont
  • Altenburg
  • Alton
  • Amazonia
  • Amity
  • Amoret
  • Amsterdam
  • Anabel
  • Anderson
  • Annada
  • Annapolis
  • Anniston
  • Appleton City
  • Arbela
  • Arbyrd
  • Arcadia
  • Archie
  • Arcola
  • Argyle
  • Arkoe
  • Armstrong
  • Arnold
  • Arrow Point
  • Arrow Rock
  • Asbury
  • Ash Grove
  • Ashburn
  • Ashland
  • Atlanta
  • Augusta
  • Aullville
  • Aurora
  • Auxvasse
  • Ava
  • Avilla
  • Avondale
  • Bagnell
  • Bakersfield
  • Baldwin Park
  • Ballwin
  • Baring
  • Barnard
  • Barnett
  • Barnhart
  • Bates City
  • Battlefield
  • Beaufort
  • Bel-Nor
  • Bel-Ridge
  • Belgrade
  • Bell City
  • Bella Villa
  • Belle
  • Bellefontaine Neighbors
  • Bellerive Acres
  • Belleview
  • Bellflower
  • Belton
  • Bendavis
  • Benton
  • Benton City
  • Berger
  • Berkeley
  • Bernie
  • Bertrand
  • Bethany
  • Bethel
  • Beulah
  • Beverly Hills
  • Bevier
  • Big Lake
  • Bigelow
  • Billings
  • Birch Tree
  • Birmingham
  • Bismarck
  • Bixby
  • Black
  • Black Jack
  • Blackburn
  • Blackwater
  • Blackwell
  • Blairstown
  • Bland
  • Blodgett
  • Bloomfield
  • Bloomsdale
  • Blue Eye
  • Blue Mound
  • Blue Springs
  • Blythedale
  • Bogard
  • Bois D Arc
  • Bolckow
  • Bolivar
  • Bonne Terre
  • Bonnots Mill
  • Boonville
  • Boss
  • Bosworth
  • Bourbon
  • Bowling Green
  • Bradleyville
  • Bragg City
  • Braggadocio
  • Brandsville
  • Branson
  • Branson West
  • Brashear
  • Braymer
  • Brazeau
  • Breckenridge
  • Breckenridge Hills
  • Brentwood
  • Briar
  • Bridgeton
  • Brighton
  • Brimson
  • Brinktown
  • Brixey
  • Bronaugh
  • Brookfield
  • Brookline Station
  • Brooklyn Heights
  • Broseley
  • Browning
  • Brownington
  • Brownwood
  • Brumley
  • Bruner
  • Brunswick
  • Bucklin
  • Buckner
  • Bucyrus
  • Buffalo
  • Bull Creek
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  • Bunker
  • Burfordville
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  • Butler
  • Butterfield
  • Byrnes Mill
  • Cabool
  • Cadet
  • Cainsville
  • Cairo
  • Caledonia
  • Calhoun
  • California
  • Callao
  • Calverton Park
  • Camden
  • Camden Point
  • Camdenton
  • Cameron
  • Campbell
  • Canalou
  • Canton
  • Cape Fair
  • Cape Girardeau
  • Caplinger Mills
  • Cardwell
  • Carl Junction
  • Carrollton
  • Carterville
  • Carthage
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  • Carytown
  • Cascade
  • Cassville
  • Catawissa
  • Catron
  • Caulfield
  • Cedar City
  • Cedar Hill
  • Cedar Hill Lakes
  • Cedarcreek
  • Center
  • Centertown
  • Centerview
  • Centerville
  • Centralia
  • Chadwick
  • Chaffee
  • Chain of Rocks
  • Chain-O-Lakes
  • Chamois
  • Champ
  • Charlack
  • Charleston
  • Charmwood
  • Cherryville
  • Chesterfield
  • Chestnutridge
  • Chilhowee
  • Chillicothe
  • Chula
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  • Clark
  • Clarksburg
  • Clarksdale
  • Clarkson Valley
  • Clarksville
  • Clarkton
  • Clay
  • Claycomo
  • Clayton
  • Clearmont
  • Cleveland
  • Clever
  • Cliff Village
  • Clifton Hill
  • Climax Springs
  • Clinton
  • Clubb
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  • Concordia
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  • Crystal Lakes
  • Cuba
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  • Dalton
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  • Darlington
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  • Dawn
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  • De Witt
  • Dearborn
  • Deepwater
  • Deerfield
  • Deering
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  • Dennis Acres
  • Denver
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  • Emma
  • Eolia
  • Essex
  • Ethel
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  • Eudora
  • Eugene
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  • Exeter
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  • Fairport
  • Fairview
  • Falcon
  • Farber
  • Farley
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  • Farrar
  • Faucett
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  • Ferguson
  • Ferrelview
  • Festus
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  • Fillmore
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  • Fleming
  • Flemington
  • Fletcher
  • Flinthill
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  • Florence
  • Florissant
  • Foley
  • Fordland
  • Forest City
  • Foristell
  • Forsyth
  • Fort Leonard Wood
  • Fortescue
  • Fortuna
  • Foster
  • Fountain N' Lakes
  • Frankford
  • Franklin
  • Fredericktown
  • Freeburg
  • Freeman
  • Freistatt
  • Fremont
  • Fremont Hills
  • French Village
  • Friedenswald
  • Friedheim
  • Frohna
  • Frontenac
  • Fulton
  • Gainesville
  • Galena
  • Gallatin
  • Galt
  • Garden City
  • Garrison
  • Gasconade
  • Gatewood
  • Gentry
  • Gerald
  • Gerster
  • Gibbs
  • Gibson
  • Gideon
  • Gilliam
  • Gilman City
  • Ginger Blue
  • Gipsy
  • Gladstone
  • Glasgow
  • Glen Echo Park
  • Glenaire
  • Glenallen
  • Glencoe
  • Glendale
  • Glenwood
  • Glover
  • Gobler
  • Golden
  • Golden City
  • Goodman
  • Goodson
  • Gordonville
  • Gorin
  • Gower
  • Graff
  • Graham
  • Grain Valley
  • Granby
  • Grand Falls Plaza
  • Grand Pass
  • Grandin
  • Grandview
  • Granger
  • Grant City
  • Grantwood Village
  • Grassy
  • Gravois Mills
  • Gray Summit
  • Grayridge
  • Green Castle
  • Green City
  • Green Park
  • Green Ridge
  • Greendale
  • Greenfield
  • Greentop
  • Greenville
  • Greenwood
  • Grover
  • Grovespring
  • Grubville
  • Guilford
  • Gunn City
  • Hale
  • Half Way
  • Hallsville
  • Halltown
  • Hamilton
  • Hanley Hills
  • Hannibal
  • Hardenville
  • Hardin
  • Harris
  • Harrisburg
  • Harrisonville
  • Hartsburg
  • Hartshorn
  • Hartville
  • Harviell
  • Harwood
  • Hatfield
  • Hawk Point
  • Hayti
  • Hayti Heights
  • Haywood City
  • Hazelwood
  • Helena
  • Hematite
  • Henley
  • Henrietta
  • Herculaneum
  • Hermann
  • Hermitage
  • Higbee
  • Higginsville
  • High Hill
  • High Point
  • High Ridge
  • Highlandville
  • Hillsboro
  • Hillsdale
  • Hiram
  • Hoberg
  • Holcomb
  • Holden
  • Holland
  • Holliday
  • Hollister
  • Holt
  • Holts Summit
  • Homestead
  • Homestown
  • Hopkins
  • Hornersville
  • Horton
  • House Springs
  • Houston
  • Houston Lake
  • Houstonia
  • Howardville
  • Huggins
  • Hughesville
  • Humansville
  • Hume
  • Humphreys
  • Hunnewell
  • Huntleigh
  • Huntsdale
  • Huntsville
  • Hurdland
  • Hurley
  • Iatan
  • Iberia
  • Imperial
  • Independence
  • Indian Point
  • Innsbrook
  • Ionia
  • Irena
  • Iron Mountain Lake
  • Irondale
  • Ironton
  • Isabella
  • Jackson
  • Jacksonville
  • Jadwin
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  • Jamesport
  • Jamestown
  • Jane
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  • Jennings
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  • Jerome
  • Jonesburg
  • Joplin
  • Josephville
  • Junction City
  • Kahoka
  • Kaiser
  • Kansas City
  • Kearney
  • Kelso
  • Kennett
  • Kewanee
  • Keytesville
  • Kidder
  • Kimberling City
  • Kimmswick
  • King City
  • Kingdom City
  • Kingston
  • Kingsville
  • Kinloch
  • Kirbyville
  • Kirksville
  • Kirkwood
  • Kissee Mills
  • Knob Lick
  • Knob Noster
  • Knox City
  • Koeltztown
  • Koshkonong
  • La Belle
  • La Grange
  • La Monte
  • La Plata
  • La Russell
  • Labadie
  • Laclede
  • Laddonia
  • Ladue
  • Lake Annette
  • Lake Lafayette
  • Lake Lotawana
  • Lake Ozark
  • Lake Saint Louis
  • Lake Spring
  • Lake Tapawingo
  • Lake Tekakwitha
  • Lake Waukomis
  • Lake Winnebago
  • Lakeshire
  • Lamar
  • Lamar Heights
  • Lampe
  • Lanagan
  • Lancaster
  • Laquey
  • Laredo
  • Latham
  • Lathrop
  • Laurie
  • Lawson
  • Leadington
  • Leadwood
  • Leasburg
  • Leawood
  • Lebanon
  • Lecoma
  • Lee's Summit
  • Leeton
  • Lenox
  • Lentner
  • Leonard
  • Leopold
  • Leslie
  • Lesterville
  • Levasy
  • Lewis and Clark Village
  • Lewistown
  • Lexington
  • Liberal
  • Liberty
  • Licking
  • Liguori
  • Lilbourn
  • Lincoln
  • Linn
  • Linn Creek
  • Linneus
  • Livonia
  • Loch Lloyd
  • Lock Springs
  • Lockwood
  • Lodi
  • Lohman
  • Loma Linda
  • Lone Jack
  • Lonedell
  • Long Lane
  • Longtown
  • Loose Creek
  • Louisburg
  • Louisiana
  • Lowndes
  • Lowry City
  • Lucerne
  • Ludlow
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  • Lupus
  • Luray
  • Lynchburg
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  • Macomb
  • Macon
  • Madison
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  • Mansfield
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  • Marlborough
  • Marquand
  • Marshall
  • Marshfield
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  • Matthews
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  • Maywood
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  • McFall
  • McGee
  • McGirk
  • McKittrick
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  • Memphis
  • Mendon
  • Mercer
  • Merriam Woods
  • Merwin
  • Meta
  • Metz
  • Mexico
  • Miami
  • Mid Missouri
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  • Middletown
  • Milan
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  • Mill Spring
  • Millard
  • Miller
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  • Montreal
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  • Morrison
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  • Mosby
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  • Moundville
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  • Myrtle
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  • Overland
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  • Oxly
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  • Pacific
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  • Painton
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  • Paris
  • Park Hills
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  • Pasadena Hills
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  • Patterson
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  • Powell
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  • Preston
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  • Shell Knob
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  • Shook
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