Missouri Best Personal Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Missouri include: MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO, 65101 4428A+5.0 ★Texas Ratio: 0.37% offering Personal Loans Short-term Personal (with credit score 650 or >) at 6.00% APR, Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO, 63043A5.0 ★Texas Ratio: 6.20% offering Personal Loan at 7.49% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union14506 E 39th St S, Independence, MO, 64055A+5.0 ★Texas Ratio: 2.80% offering Debt Consolidation Loan at 7.99% APR, Show Me Credit UnionShow Me Credit Union550 S Muldrow St, Mexico, MO, 65265 2014A+5.0 ★Texas Ratio: 0.24% offering Personal Loans at 8.00% APR, and Conservation Employees Credit UnionConservation Employees Credit Union2915 W Truman Blvd, Jefferson City, MO, 65109 0580A+5.0 ★Texas Ratio: 0.86% offering Signature Loan at 8.00% APR. Personal loan rates as of September 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 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: September 22, 2026
Missouri Personal Loan Rates
Rate with Maximum Discount*: 5.75%
Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
As Low As
Promotional rate available from September 1 to December 31, 2026. Limit one Debt Consolidation Loan per member. Any existing Debt Consolidation Loan must be paid in full through the refinance. Automatic payments and direct deposit into an IFCU checking account are required.
As Low As; Starting as low as 8.00%
Term: Closed Flexible Terms; As Low As
No additional details available.
Published APR range: 8.0% - 14.0%.
As Low As
As low as; *
No additional details available.
As Low As; Signature Loans
As Low As
$500; Published APR range: 7.50% to 17.00%.
$1,001; Published APR range: 7.50% to 17.00%.
$3,001; Published APR range: 7.50% to 17.00%.
No additional details available.
Published APR range: 9.00% - 18.00%.
As Low As
No additional details available.
Depending on Credit Score; please see rate sheet for details. PREFERRED RATE: The ANNUAL PERCENTAGE RATE is reduced by 0.50% when payments are made electronically. If the electronic payment ceases, the annual percentage rate will return to the higher rate.
As low as*
No additional details available.
As Low As
Up to $15,000
As low as
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
10% maximum $5,000.00 Payoff Periods: Up to $1,000.00
No additional details available.
Published APR range: 10.00% - 16.00%.
As low as; Max. loan $20,000
Published APR range: 10.00% - 18.00%.
$5,000; Additional APR listed for this product: 12.25%, 13.75%, 17.00%, 19.25%. close end loans
As Low As
No additional details available.
As low as*; $500 minimum Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As low as
As low as; Max. loan $5,000
$500; Term: 18, 24, 30, 36 or 42 Months
As Low As
No additional details available.
As Low As
As Low As
As Low As; Max loan amount: $20,000
$15,000 -$25,000
Maximum $15,000
Rates as low as 10.99% APR*
As Low As; multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
As Low As
As Low As; Have an unexpected expense? Need new furniture or appliances? Want to consolidate high interest debt? Urgent bills piling up? Planning a wedding? A Personal Loan can help you get the funds you need for whatever life throws your way.
As low as
Rate with Maximum Discount*: 10.75%
Credit score of less than 650
Published APR range: 11.00% - 18.00%.
As low as*; $500 minimum Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As
Published APR range: 11.25% - 19.00%.
$4,999; Additional APR listed for this product: 13.25%, 14.75%, 18.00%, 20.00%, 20.75%. close end loans
No additional details available.
Starting as low as 11.75% APR
As Low As
No additional details available.
As Low As; Max loan amount: $20,000
As low as
As low as
$25,000 or more
Max loan amount: $2,000
As Low As
Term: Up to $1,000.00 18 months; Payoff period: $1,000.01 to $2,000.00 30 months, $2,000.01 to $5,000.00 36 months. Rare exceptions may be made to an unsecured limit of $7,500.00 by the credit manager. The payoff term on an unsecured loan balance of $5,000.01 to $7,500.00 is 48 months.
Rates are based on applicant's credit bureau score and various discounts. *
Credit Score: 750+
$12,000 limit per household
As Low As; Rate, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
As Low As
No additional details available.
Level 1 APR* (730+)
No additional details available.
As Low As; Max loan amount: $20,000
As Low As
No additional details available.
New Loans Only; Up to $12,000 Max
Credit Score: 750+ A+; Amount: $10,000.00
Refinanced Loans
Level 2 APR* (680-729)
No additional details available.
As Low As; Max loan amount: $20,000
No additional details available.
No additional details available.
Credit Score: 700 - 749
No additional details available.
As low as
Credit Score: 701-749 A; Amount: $7,500.00
$7,500
As Low As
No additional details available.
Level 3 APR* (640-679)
Credit Score: 651-700 B; Amount: $7,500.00
No additional details available.
Up to $5,000; Published APR range: 12.50% to 22.00%.
Up to $5,000; Published APR range: 12.50% to 22.00%.
As Low As; Amount: Up to $1,500.00
Credit Score: 675 - 699
No additional details available.
Maximum term is 36 months and payment is auto debit. Competitive rate and terms. Rate discount for automatic payments.
No additional details available.
$10,000 maximum* - Credit Score of 651 & above; $5,000 maximum* - Credit Score of 650 & below
Credit Score: 625 - 674
Level 4 APR* (600-639)
Credit Score: 600-650 C; Amount: $5,000.00
Level 5 APR* (550-599)
Level 6 APR* (549 or lower)
Credit Score: 551-599 D; Amount: $3,000.00
No additional details available.
Credit Score: 550 & Below E; Amount: $2,000.00
Missouri Personal Loan Rates
Rate with Maximum Discount*: 5.75%
Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
As Low As
As Low As; Starting as low as 8.00%
No additional details available.
No additional details available.
As Low As
Up to $15,000
As low as
No additional details available.
As Low As
As Low As
As low as; Max. loan $20,000
No additional details available.
As low as; Max. loan $5,000
As Low As; Max loan amount: $20,000
$15,000 -$25,000
As Low As
As Low As; Have an unexpected expense? Need new furniture or appliances? Want to consolidate high interest debt? Urgent bills piling up? Planning a wedding? A Personal Loan can help you get the funds you need for whatever life throws your way.
Rate with Maximum Discount*: 10.75%
Credit score of less than 650
No additional details available.
As Low As; Max loan amount: $20,000
As low as
$25,000 or more
Max loan amount: $2,000
As Low As
As Low As; Max loan amount: $20,000
As Low As
No additional details available.
New Loans Only; Up to $12,000 Max
Refinanced Loans
As Low As; Max loan amount: $20,000
No additional details available.
Missouri Debt Consolidation Loan Rates
Promotional rate available from September 1 to December 31, 2026. Limit one Debt Consolidation Loan per member. Any existing Debt Consolidation Loan must be paid in full through the refinance. Automatic payments and direct deposit into an IFCU checking account are required.
As low as; *
No additional details available.
Missouri Signature Loan Rates
No additional details available.
Published APR range: 8.0% - 14.0%.
As Low As
As low as; *
As Low As; Signature Loans
Published APR range: 9.00% - 18.00%.
Depending on Credit Score; please see rate sheet for details. PREFERRED RATE: The ANNUAL PERCENTAGE RATE is reduced by 0.50% when payments are made electronically. If the electronic payment ceases, the annual percentage rate will return to the higher rate.
As low as*
No additional details available.
As Low As
As low as
No additional details available.
Published APR range: 10.00% - 18.00%.
$5,000; Additional APR listed for this product: 12.25%, 13.75%, 17.00%, 19.25%. close end loans
As Low As
As low as*; $500 minimum Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As low as
No additional details available.
As Low As
As Low As
Maximum $15,000
Rates as low as 10.99% APR*
As Low As; multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
As low as
Published APR range: 11.00% - 18.00%.
As low as*; $500 minimum Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As
Published APR range: 11.25% - 19.00%.
$4,999; Additional APR listed for this product: 13.25%, 14.75%, 18.00%, 20.00%, 20.75%. close end loans
Starting as low as 11.75% APR
As Low As
No additional details available.
As low as
As Low As
Rates are based on applicant's credit bureau score and various discounts. *
Credit Score: 750+
$12,000 limit per household
No additional details available.
Level 1 APR* (730+)
No additional details available.
Level 2 APR* (680-729)
No additional details available.
No additional details available.
No additional details available.
Credit Score: 700 - 749
As low as
$7,500
As Low As
Level 3 APR* (640-679)
No additional details available.
Up to $5,000; Published APR range: 12.50% to 22.00%.
Up to $5,000; Published APR range: 12.50% to 22.00%.
As Low As; Amount: Up to $1,500.00
Credit Score: 675 - 699
No additional details available.
No additional details available.
$10,000 maximum* - Credit Score of 651 & above; $5,000 maximum* - Credit Score of 650 & below
Credit Score: 625 - 674
Level 4 APR* (600-639)
Level 5 APR* (550-599)
Level 6 APR* (549 or lower)
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.
Missouri personal loan rates rose 0.847 points over the past 7 days to 12.324% APR.
Missouri signature loan rates rose 0.418 points over the past 7 days to 11.028% APR.
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.
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.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current MO average personal loan APR of 12.32%, 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 | $236.13/mo | $166.85/mo | $132.47/mo | $112.04/mo |
| $10,000 | $472.25/mo | $333.69/mo | $264.93/mo | $224.09/mo |
| $15,000 | $708.38/mo | $500.54/mo | $397.40/mo | $336.13/mo |
| $25,000 | $1,180.63/mo | $834.23/mo | $662.33/mo | $560.22/mo |
| $35,000 | $1,652.88/mo | $1,167.93/mo | $927.27/mo | $784.30/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.
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) | 12.32% | $397.40 | $4,075 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,075 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,609 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,201 |
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
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.
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.
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.
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.
- Buying a vehicle? A secured Missouri auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Missouri high-yield savings account costs nothing and earns interest instead of paying it
Missouri Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $397 monthly loan payment is roughly 11.1% 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 1–3 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 3–5% | ● 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.
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.
Frequently Asked Questions
What credit score do I need for a personal loan in Missouri?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Missouri?
Are credit unions or banks better for personal loans in Missouri?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Missouri?
- MECE Credit Union: 6.00% (Personal Loans Short-term Personal (with credit score 650 or >))
- Baxter Credit Union: 7.49% (Personal Loan)
- Interfaith Federal Credit Union: 7.99% (Debt Consolidation Loan)
- Show Me Credit Union: 8.00% (Personal Loans)
- Conservation Employees Credit Union: 8.00% (Signature Loan)
