Best Personal Loan Rates in Missouri (MO) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
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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: Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO, 63043A5.0 ★Texas Ratio: 7.73% 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: 1.02% 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: 3.78% offering Signature (Personal) at 4.99% APR, Foundation Credit UnionFoundation Credit Union1726 W Elfindale St, Springfield, MO, 65807 1289A+5.0 ★Texas Ratio: 3.69% offering Consumer Loans on New & Used Equipment at 5.24% APR, and MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO, 65101 4428A+5.0 ★Texas Ratio: 0.48% offering Short-term Personal at 5.75% APR. Personal loan rates as of April 27, 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 4.50% APR from Baxter Credit Union at 13655 Riverport Dr, Maryland Heights, MO, 63043. 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: April 27, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedApril 29, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedApril 29, 2026
Details
As Low As
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO, 64127
Gun Loans
4.99%
▼
APR4.99%
Last UpdatedApril 29, 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: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Signature (Personal)
4.99%
▼
APR4.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Foundation Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1726 W Elfindale St, Springfield, MO, 65807 1289
Consumer Loans on New & Used Equipment
5.24%
▼
APR5.24%
Last UpdatedApril 29, 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 UpdatedApril 29, 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 UpdatedApril 29, 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 (with credit score 650 or >)
6.00%
▼
APR6.00%
Last UpdatedApril 29, 2026
Details
Rate with Maximum Discount*: 5.75%
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO, 65802 3704
Land Loans
6.57%
▼
APR6.57%
Last UpdatedApril 29, 2026
Details
No additional details available.
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Other Loans
6.75%
▼
APR6.75%
Last UpdatedApril 29, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
Fixture Loans
6.99%
▼
APR6.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 29, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
PRIME - Up to 80% loan to value
7.00%
▼
APR7.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
St Louis Policemen`s Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1915 Olive St, Saint Louis, MO, 63103
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Church Loans
7.25%
▼
APR7.25%
Last UpdatedApril 29, 2026
Details
As Low As
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
As Low As
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Unsecured Loan (A - C) to $1,000
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
$500
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Unsecured Loan (A - C) to $3,000
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
$1,001
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Unsecured Loan (A - C) to $5,000
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
$3,001
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Loans
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
up to $250,000; No prepayment penalties; Personal guarantees may be waived
Patriot Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
4343 Telegraph Rd, Saint Louis, MO, 63129 2648
Signature
7.90%
▼
APR7.90%
Last UpdatedApril 29, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO, 64850 3110
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 29, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
The Wedding Loan (Signature Loan)
8.25%
▼
APR8.25%
Last UpdatedApril 29, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
1-2 Yr Old Used Loan
8.50%
▼
APR8.50%
Last UpdatedApril 29, 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
8.75%
▼
APR8.75%
Last UpdatedApril 29, 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
8.90%
▼
APR8.90%
Last UpdatedApril 29, 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
Whatever Loans
8.90%
▼
APR8.90%
Last UpdatedApril 29, 2026
Details
As Low As; Competitive interest rates starting at 8.90% (APRs starting at 9.05%)*
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
As low as
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
Personal/Signature
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Hero Loans
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Vacation/Holiday Loan
9.00%
▼
APR9.00%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
No additional details available.
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Personal Unsecured Loans
9.14%
▼
APR9.14%
Last UpdatedApril 29, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
3-4 Yr Old Used Loan
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
As Low As
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans
9.50%
▼
APR9.50%
Last UpdatedApril 29, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature Or Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature/ Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature/Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO, 65708
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
Preferred Personal
10.00%
▼
APR10.00%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
No additional details available.
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
DebtBuster/No Equity Loan
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
5-year payback
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Member's Choice (Signature Loan)
10.45%
▼
APR10.45%
Last UpdatedApril 29, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New You Loan
10.45%
▼
APR10.45%
Last UpdatedApril 29, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO, 65708
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 29, 2026
Details
As Low As
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
Personal
10.50%
▼
APR10.50%
Last UpdatedApril 29, 2026
Details
As Low As; Max. loan $5,000
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal Line-of-Credit
10.66%
▼
APR10.66%
Last UpdatedApril 29, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedApril 29, 2026
Details
As Low As; Up to 36 months
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 UpdatedApril 29, 2026
Details
with credit score of less than 650
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Works For Me Signature Loans
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As; Maximum $15,000 - Up to 60 months
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3301 Texas Ave, Joplin, MO, 64804
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
5-6 Yr Old Used Loan
11.00%
▼
APR11.00%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
with credit score of less than 650
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal (with credit score of less than 650)
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
Rate with Maximum Discount*: 10.75%
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO, 65807
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
As Low As
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Signature
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedApril 29, 2026
Details
As Low As; Up to 48 months
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedApril 29, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans
11.50%
▼
APR11.50%
Last UpdatedApril 29, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedApril 29, 2026
Details
As Low As; Up to 60 months
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 UpdatedApril 29, 2026
Details
As Low As; Up to 36 mo.
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
Signature
11.90%
▼
APR11.90%
Last UpdatedApril 29, 2026
Details
As Low As
Central Communications Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
17811 E US Highway 40, Independence, MO, 64055
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 29, 2026
Details
As Low As; Borrow Up To $5000, Up to 36 months
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 29, 2026
Details
As Low As
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO, 64127
Unsecured Loans
12.14%
▼
APR12.14%
Last UpdatedApril 29, 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: 4.21%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 29, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedApril 29, 2026
Details
No additional details available.
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans
12.25%
▼
APR12.25%
Last UpdatedApril 29, 2026
Details
No additional details available.
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 29, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Personal Loans
12.49%
▼
APR12.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loan (A - E)
12.50%
▼
APR12.50%
Last UpdatedApril 29, 2026
Details
Up to $5,000
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Term Signature,
12.50%
▼
APR12.50%
Last UpdatedApril 29, 2026
Details
Up to $5,000
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedApril 29, 2026
Details
As Low As; UP TO $12,000 MAX - NEW LOANS ONLY - REFINANCED LOANS 12.75%
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Refinanced Loans
12.75%
▼
APR12.75%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
No additional details available.
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans
12.75%
▼
APR12.75%
Last UpdatedApril 29, 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
13.00%
▼
APR13.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO, 64055
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 29, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
13.00%
▼
APR13.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedApril 29, 2026
Details
from 13.00% APR*
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.37%
1535 N Campbell Ave, Springfield, MO, 65803
Signature
13.49%
▼
APR13.49%
Last UpdatedApril 29, 2026
Details
As Low As
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans
13.50%
▼
APR13.50%
Last UpdatedApril 29, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 29, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Signature Loans
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
As Low As; Up to $1,500.00
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO, 65802 3704
Construction Loans
14.06%
▼
APR14.06%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 29, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
7-10 Yr Old Used Loan
14.50%
▼
APR14.50%
Last UpdatedApril 29, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
14.50%
▼
APR14.50%
Last UpdatedApril 29, 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
Flexiloan
15.00%
▼
APR15.00%
Last UpdatedApril 29, 2026
Details
$10,000 max* Credit Score of 651 &above $ 5,000 max* Credit Score of 650 & below
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
15.00%
▼
APR15.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans
15.50%
▼
APR15.50%
Last UpdatedApril 29, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
A short-term alternative to payday loans
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
19.00%
▼
APR19.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
Personal/Signature
19.24%
▼
APR19.24%
Last UpdatedApril 29, 2026
Details
No additional details available.
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans
21.50%
▼
APR21.50%
Last UpdatedApril 29, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans
23.50%
▼
APR23.50%
Last UpdatedApril 29, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Emergency Help Loan
28.00%
▼
APR28.00%
Last UpdatedApril 29, 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: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 29, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO, 64850 3110
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 29, 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
8.90%
▼
APR8.90%
Last UpdatedApril 29, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature Or Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature/ Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature/Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 29, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedApril 29, 2026
Details
As Low As; Up to 36 months
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedApril 29, 2026
Details
As Low As; Up to 48 months
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedApril 29, 2026
Details
As Low As; Up to 60 months
Central Communications Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
17811 E US Highway 40, Independence, MO, 64055
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 29, 2026
Details
As Low As; Borrow Up To $5000, Up to 36 months
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedApril 29, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.24%
▼
APR12.24%
Last UpdatedApril 29, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedApril 29, 2026
Details
No additional details available.
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 29, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Personal Loans
12.49%
▼
APR12.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedApril 29, 2026
Details
As Low As; UP TO $12,000 MAX - NEW LOANS ONLY - REFINANCED LOANS 12.75%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedApril 29, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedApril 29, 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: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
DebtBuster/No Equity Loan
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
5-year payback
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedApril 29, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedApril 29, 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: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Signature (Personal)
4.99%
▼
APR4.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
St Louis Policemen`s Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1915 Olive St, Saint Louis, MO, 63103
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedApril 29, 2026
Details
As Low As
Patriot Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
4343 Telegraph Rd, Saint Louis, MO, 63129 2648
Signature
7.90%
▼
APR7.90%
Last UpdatedApril 29, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
The Wedding Loan (Signature Loan)
8.25%
▼
APR8.25%
Last UpdatedApril 29, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
Personal/Signature
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 29, 2026
Details
As low as
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature/Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature/ Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature Or Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 29, 2026
Details
As Low As
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO, 65708
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Member's Choice (Signature Loan)
10.45%
▼
APR10.45%
Last UpdatedApril 29, 2026
Details
As Low As
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO, 65708
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedApril 29, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedApril 29, 2026
Details
As Low As; Up to 36 months
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Works For Me Signature Loans
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As; Maximum $15,000 - Up to 60 months
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3301 Texas Ave, Joplin, MO, 64804
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO, 65807
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
As Low As
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Signature
11.00%
▼
APR11.00%
Last UpdatedApril 29, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedApril 29, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedApril 29, 2026
Details
As Low As; Up to 48 months
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedApril 29, 2026
Details
As Low As; Up to 60 months
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
As Low As; Up to 36 mo.
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
Signature
11.90%
▼
APR11.90%
Last UpdatedApril 29, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans
12.25%
▼
APR12.25%
Last UpdatedApril 29, 2026
Details
No additional details available.
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loan (A - E)
12.50%
▼
APR12.50%
Last UpdatedApril 29, 2026
Details
Up to $5,000
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Term Signature,
12.50%
▼
APR12.50%
Last UpdatedApril 29, 2026
Details
Up to $5,000
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans
12.75%
▼
APR12.75%
Last UpdatedApril 29, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedApril 29, 2026
Details
from 13.00% APR*
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO, 64055
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 29, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
13.00%
▼
APR13.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.37%
1535 N Campbell Ave, Springfield, MO, 65803
Signature
13.49%
▼
APR13.49%
Last UpdatedApril 29, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Signature Loans
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
As Low As; Up to $1,500.00
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
14.00%
▼
APR14.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
14.50%
▼
APR14.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
15.00%
▼
APR15.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
19.00%
▼
APR19.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
Personal/Signature
19.24%
▼
APR19.24%
Last UpdatedApril 29, 2026
Details
No additional details available.
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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
12.606%
▲ 0.027 vs 7 days ago
Missouri personal loan rates rose 0.027 points over the past 7 days to 12.606% APR.
Signature Loan — MO Avg
10.250%
Unchanged vs 7 days ago
Missouri signature loan rates currently average 10.250% APR.
As of Apr 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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?
- 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)
- MECE Credit Union: 5.75% (Short-term Personal)
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: April 27, 2026.
