Best Personal Loan Rates in Missouri (MO) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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 →
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.
Current personal loan options available to borrowers in Missouri include: Legacy Credit UnionLegacy Credit Union3202 Indiana Ave, Joplin, MO, 64804 4037A+5.0 ★Texas Ratio: 2.82% offering Storm Shelter Loans at 4.25% APR, Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO, 63043A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Public Safety Credit UnionPublic Safety Credit Union2800 E 14th St, Kansas City, MO, 64127A+5.0 ★Texas Ratio: 0.98% offering Gun Loans at 4.99% APR, County Credit UnionCounty Credit Union130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913A+5.0 ★Texas Ratio: 3.60% offering Signature (Personal) at 4.99% APR, and Foundation Credit UnionFoundation Credit Union1726 W Elfindale St, Springfield, MO, 65807 1289A+5.0 ★Texas Ratio: 3.62% offering Consumer Loans on New & Used Equipment at 5.24% APR. Personal loan rates as of May 22, 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 4.25% APR from Legacy Credit Union at 3202 Indiana Ave, Joplin, MO, 64804 4037. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in 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: May 22, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3202 Indiana Ave, Joplin, MO, 64804 4037
Storm Shelter Loans
4.25%
▼
APR4.25%
Last UpdatedMay 22, 2026
Details
As Low As; 36 months max term
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO, 63043
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO, 63043
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO, 63043
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 22, 2026
Details
As Low As
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2800 E 14th St, Kansas City, MO, 64127
Gun Loans
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
As Low As; Rate, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Signature (Personal)
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Foundation Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
1726 W Elfindale St, Springfield, MO, 65807 1289
Consumer Loans on New & Used Equipment
5.24%
▼
APR5.24%
Last UpdatedMay 22, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3202 Indiana Ave, Joplin, MO, 64804 4037
Storm Shelter Loans
5.25%
▼
APR5.25%
Last UpdatedMay 22, 2026
Details
As Low As; 48 months max term
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
120 S GARRISON AVE, CARTHAGE, MO, 64836
New- 2025 - 2027 model Loan
5.50%
▼
APR5.50%
Last UpdatedMay 22, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
with credit score 650 or >
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal
6.00%
▼
APR6.00%
Last UpdatedMay 22, 2026
Details
with credit score 650 or >
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3202 Indiana Ave, Joplin, MO, 64804 4037
Storm Shelter Loans
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
As Low As; 60 months max term
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Preowned- 2016 - 2026 model Loan
6.25%
▼
APR6.25%
Last UpdatedMay 22, 2026
Details
As Low As
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
818 N Benton Ave, Springfield, MO, 65802 3704
Land Loans
6.70%
▼
APR6.70%
Last UpdatedMay 22, 2026
Details
No additional details available.
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Other Loans
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
As Low As
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Construction Loan
6.80%
▼
APR6.80%
Last UpdatedMay 22, 2026
Details
As Low As; Down Payment as low as: 10%
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
818 N Benton Ave, Springfield, MO, 65802 3704
FHA, VA, USDA Loans
6.81%
▼
APR6.81%
Last UpdatedMay 22, 2026
Details
No additional details available.
KC Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
601 E 12th St Rm G 61, Kansas City, MO, 64106
K-9 Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
This promo 'runs away' July 31, 2026.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO, 63043
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
St Louis Policemen`s Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1915 Olive St, Saint Louis, MO, 63103
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
663 W Highway 60, Monett, MO, 65708 8215
Adventure Loans
7.24%
▼
APR7.24%
Last UpdatedMay 22, 2026
Details
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Fixed HE Loan
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
14506 E 39th St S, Independence, MO, 64055
Church Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
14506 E 39th St S, Independence, MO, 64055
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
over $250,000; As Low As; 30 year term, due in 15 years; No prepayment penalties; Personal guarantees may be waived
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Unsecured Loan (A - C) to $1,000
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
$500
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Unsecured Loan (A - C) to $3,000
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
$1,001
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Unsecured Loan (A - C) to $5,000
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
$3,001
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
14506 E 39th St S, Independence, MO, 64055
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
up to $250,000; As Low As; No prepayment penalties; Personal guarantees may be waived
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Airplane Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As
Patriot Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.49%
4343 Telegraph Rd, Saint Louis, MO, 63129 2648
Signature
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
2975 Gardner Edgewood Dr, Neosho, MO, 64850 3110
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Other Titled Collateral Loans 2024 & Newer
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
Rate with Maximum Discount*: 5.00%
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Platinum Personal
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Hero Loans
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
14506 E 39th St S, Independence, MO, 64055
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Platinum Personal
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
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
9.05%
▼
APR9.05%
Last UpdatedMay 22, 2026
Details
As Low As
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Personal Unsecured Loans
9.14%
▼
APR9.14%
Last UpdatedMay 22, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Other Titled Collateral Loans 2024 & Newer
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
Rate with Maximum Discount*: 5.50%
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO, 64506
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedMay 22, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Other Titled Collateral Loans 2023 & Older
9.75%
▼
APR9.75%
Last UpdatedMay 22, 2026
Details
Rate with Maximum Discount*: 6.00%
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO, 63101
Signature/Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO, 63368 8294
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO, 63101
Signature/ Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
loan length up to 60 months
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $15,000
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO, 63101
Signature Or Personal Loan Up to 60 months
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Other Titled Collateral Loans 2023 & Older
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
Rate with Maximum Discount*: 6.25%
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
663 W Highway 60, Monett, MO, 65708
Signature
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
2804 W Ash St, Columbia, MO, 65203 4601
Preferred Personal
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As; Max. loan $20,000
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Unsecured
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
DebtBuster/No Equity Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
5-year payback
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Other Titled Collateral Loans 2023 & Older
10.25%
▼
APR10.25%
Last UpdatedMay 22, 2026
Details
Rate with Maximum Discount*: 6.50%
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Signature
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
663 W Highway 60, Monett, MO, 65708
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
As Low As
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
2804 W Ash St, Columbia, MO, 65203 4601
Personal
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
As Low As; Max. loan $5,000
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal Line-of-Credit
10.66%
▼
APR10.66%
Last UpdatedMay 22, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
2550 S State Route 291, Independence, MO, 64057 1226
Signature
10.71%
▼
APR10.71%
Last UpdatedMay 22, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedMay 22, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal
10.75%
▼
APR10.75%
Last UpdatedMay 22, 2026
Details
with credit score of less than 650
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As; $15,000 -$25,000
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO, 63108
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO, 63108
Works For Me Signature Loans
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As; Maximum $15,000 - Up to 60 months
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3301 Texas Ave, Joplin, MO, 64804
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As
KC Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
601 E 12th St Rm G 61, Kansas City, MO, 64106
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As
KC Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
601 E 12th St Rm G 61, Kansas City, MO, 64106
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As; *multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO, 65807
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMay 22, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal
11.00%
▼
APR11.00%
Last UpdatedMay 22, 2026
Details
with credit score of less than 650
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 22, 2026
Details
As Low As
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMay 22, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedMay 22, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedMay 22, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans 24 months
11.75%
▼
APR11.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 mo.
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
805 W Stadium Blvd, Jefferson City, MO, 65109
Signature
11.90%
▼
APR11.90%
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 22, 2026
Details
As Low As; $25,000 or more
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
310 N Missouri St, Macon, MO, 63552
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
As Low As; rates are based on applicant's credit bureau score and various discounts
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
Credit Score 750+; You can borrow up to: $5,000.00
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3202 Indiana Ave, Joplin, MO, 64804 4037
Signature
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
As Low As; 60 months max term; $12,000 limit per household
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
As Low As
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
2800 E 14th St, Kansas City, MO, 64127
Unsecured Loans
12.14%
▼
APR12.14%
Last UpdatedMay 22, 2026
Details
As Low As; Rate, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
663 Highway 60, Monett, MO, 65708
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedMay 22, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.24%
▼
APR12.24%
Last UpdatedMay 22, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
663 W Highway 60, Monett, MO, 65708 8215
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans 36 months
12.25%
▼
APR12.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 22, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
805 W Stadium Blvd, Jefferson City, MO, 65109
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMay 22, 2026
Details
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loan (A - E)
12.50%
▼
APR12.50%
Last UpdatedMay 22, 2026
Details
Up to $5,000
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Term Signature,
12.50%
▼
APR12.50%
Last UpdatedMay 22, 2026
Details
Up to $5,000
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
805 W Stadium Blvd, Jefferson City, MO, 65109
Refinanced Loans
12.75%
▼
APR12.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans 48 months
12.75%
▼
APR12.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Personal
12.75%
▼
APR12.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1817 W Broadway, Columbia, MO, 65218
Signature
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1817 W Broadway, Columbia, MO, 65218
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
As Low As
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
Credit Score 700 - 749; You can borrow up to: $5,000.00
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Personal
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1111 E 23rd St S, Independence, MO, 64055
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
4545 S Noland Rd, Independence, MO, 64055
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
4545 S Noland Rd, Independence, MO, 64055
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 22, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1817 W Broadway, Columbia, MO, 65218
Signature
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
Credit Score 675 - 699; You can borrow up to: $4,000.00
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Signature Loans
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $1,500.00
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
818 N Benton Ave, Springfield, MO, 65802 3704
Construction Loans
14.06%
▼
APR14.06%
Last UpdatedMay 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1817 W Broadway, Columbia, MO, 65218
Signature
14.50%
▼
APR14.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1817 W Broadway, Columbia, MO, 65218
Signature
15.00%
▼
APR15.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
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
Unsecured Signature
15.00%
▼
APR15.00%
Last UpdatedMay 22, 2026
Details
$10,000 maximum* - Credit Score of 651 & above $5,000 maximum* - Credit Score of 650 & below
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
15.00%
▼
APR15.00%
Last UpdatedMay 22, 2026
Details
Credit Score 625 - 674; You can borrow up to: $3,000.00
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3202 Indiana Ave, Joplin, MO, 64804 4037
Tide-You-Over Loans (TYOL)
15.00%
▼
APR15.00%
Last UpdatedMay 22, 2026
Details
As Low As; 12 months maximum term
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
A short-term alternative to payday loans
18.00%
▼
APR18.00%
Last UpdatedMay 22, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
19.00%
▼
APR19.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Emergency Help Loan
28.00%
▼
APR28.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
13655 Riverport Dr, Maryland Heights, MO, 63043
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
2975 Gardner Edgewood Dr, Neosho, MO, 64850 3110
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
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
9.05%
▼
APR9.05%
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $15,000
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO, 63101
Signature Or Personal Loan Up to 60 months
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO, 63101
Signature/ Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
loan length up to 60 months
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO, 63101
Signature/Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.68%
4161 Highway K, O Fallon, MO, 63368 8294
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As; $15,000 -$25,000
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO, 63108
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 22, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedMay 22, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 22, 2026
Details
As Low As; $25,000 or more
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
663 Highway 60, Monett, MO, 65708
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedMay 22, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.24%
▼
APR12.24%
Last UpdatedMay 22, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
663 W Highway 60, Monett, MO, 65708 8215
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedMay 22, 2026
Details
No additional details available.
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.92%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 22, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.77%
805 W Stadium Blvd, Jefferson City, MO, 65109
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMay 22, 2026
Details
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
4545 S Noland Rd, Independence, MO, 64055
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
4545 S Noland Rd, Independence, MO, 64055
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 22, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
DebtBuster/No Equity Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
5-year payback
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Signature (Personal)
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
St Louis Policemen`s Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1915 Olive St, Saint Louis, MO, 63103
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As
Patriot Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.49%
4343 Telegraph Rd, Saint Louis, MO, 63129 2648
Signature
7.90%
▼
APR7.90%
Last UpdatedMay 22, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
14506 E 39th St S, Independence, MO, 64055
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3921 Oakland Ave, Saint Joseph, MO, 64506
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedMay 22, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO, 63101
Signature Or Personal Loan Up to 60 months
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO, 63101
Signature/ Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
loan length up to 60 months
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
1001 Pine St, Saint Louis, MO, 63101
Signature/Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
663 W Highway 60, Monett, MO, 65708
Signature
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Signature
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
No additional details available.
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
663 W Highway 60, Monett, MO, 65708
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMay 22, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.60%
2550 S State Route 291, Independence, MO, 64057 1226
Signature
10.71%
▼
APR10.71%
Last UpdatedMay 22, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedMay 22, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.42%
3651 Forest Park Ave, Saint Louis, MO, 63108
Works For Me Signature Loans
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As; Maximum $15,000 - Up to 60 months
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3301 Texas Ave, Joplin, MO, 64804
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As
KC Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
601 E 12th St Rm G 61, Kansas City, MO, 64106
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As
KC Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
601 E 12th St Rm G 61, Kansas City, MO, 64106
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As; *multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO, 65807
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMay 22, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMay 22, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedMay 22, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans 24 months
11.75%
▼
APR11.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 mo.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedMay 22, 2026
Details
As Low As
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
805 W Stadium Blvd, Jefferson City, MO, 65109
Signature
11.90%
▼
APR11.90%
Last UpdatedMay 22, 2026
Details
As Low As
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
310 N Missouri St, Macon, MO, 63552
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
As Low As; rates are based on applicant's credit bureau score and various discounts
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
Credit Score 750+; You can borrow up to: $5,000.00
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3202 Indiana Ave, Joplin, MO, 64804 4037
Signature
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
As Low As; 60 months max term; $12,000 limit per household
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans 36 months
12.25%
▼
APR12.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loan (A - E)
12.50%
▼
APR12.50%
Last UpdatedMay 22, 2026
Details
Up to $5,000
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Term Signature,
12.50%
▼
APR12.50%
Last UpdatedMay 22, 2026
Details
Up to $5,000
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans 48 months
12.75%
▼
APR12.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1111 E 23rd St S, Independence, MO, 64055
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1817 W Broadway, Columbia, MO, 65218
Signature
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
Credit Score 700 - 749; You can borrow up to: $5,000.00
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1817 W Broadway, Columbia, MO, 65218
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1817 W Broadway, Columbia, MO, 65218
Signature
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Signature Loans
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $1,500.00
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
Credit Score 675 - 699; You can borrow up to: $4,000.00
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1817 W Broadway, Columbia, MO, 65218
Signature
14.50%
▼
APR14.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
1817 W Broadway, Columbia, MO, 65218
Signature
15.00%
▼
APR15.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
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
Unsecured Signature
15.00%
▼
APR15.00%
Last UpdatedMay 22, 2026
Details
$10,000 maximum* - Credit Score of 651 & above $5,000 maximum* - Credit Score of 650 & below
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
15.00%
▼
APR15.00%
Last UpdatedMay 22, 2026
Details
Credit Score 625 - 674; You can borrow up to: $3,000.00
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
19.00%
▼
APR19.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Missouri currently.
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.
Personal Loan — MO Avg
11.751%
▼ 0.011 vs 7 days ago
Missouri personal loan rates fell 0.011 points over the past 7 days to 11.751% APR.
Signature Loan — MO Avg
11.328%
▼ 0.012 vs 7 days ago
Missouri signature loan rates fell 0.012 points over the past 7 days to 11.328% APR.
As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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.
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 are the best personal loan rates in Missouri?
- Legacy Credit Union: 4.25% (Storm Shelter Loans)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Public Safety Credit Union: 4.99% (Gun Loans)
- County Credit Union: 4.99% (Signature (Personal))
- Foundation Credit Union: 5.24% (Consumer Loans on New & Used Equipment)
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: May 22, 2026.
