Best Personal Loan Rates in Independence, Missouri (MO) - April 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 Independence, Missouri include: Public Safety Credit UnionPublic Safety Credit Union20130 E Valley View Pkwy, Independence, MO, 64057 1590A+5.0 ★Texas Ratio: 1.02% offering Gun Loans at 4.99% APR, Missouri Central Credit UnionMissouri Central Credit Union17811 E US Highway 40, Independence, MO, 64055 5406A+5.0 ★Texas Ratio: 4.27% offering PRIME - Up to 80% loan to value at 7.00% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union14506 E 39th St S, Independence, MO, 64055A+5.0 ★Texas Ratio: 1.60% offering Church Loans at 7.25% APR, Central Communications Credit UnionCentral Communications Credit Union17811 E US Highway 40, Independence, MO, 64055A5.0 ★Texas Ratio: 9.67% offering Personal Loan at 11.99% APR, and United Consumers Credit UnionUnited Consumers Credit Union1111 E 23rd St S, Independence, MO, 64055A+5.0 ★Texas Ratio: 4.31% offering Signature Loan at 13.00% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Independence has 6 local institutions in our database, with personal loan rates as low as 4.99% APR from Public Safety Credit Union at 20130 E Valley View Pkwy, Independence, MO, 64057 1590. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Independence, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Independence, 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
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.
No additional details available.
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up to $250,000; No prepayment penalties; Personal guarantees may be waived
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As Low As; Borrow Up To $5000, Up to 36 months
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.
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with credit score 650 or >
with credit score 650 or >
Rate with Maximum Discount*: 5.75%
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$3,001
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$1,001
$500
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As Low As; Competitive interest rates starting at 8.90% (APRs starting at 9.05%)*
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As Low As; VISA Platinum and Lifestyle Loan
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5-year payback
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As Low As; Max. loan $20,000
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As Low As; Max. loan $5,000
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As Low As; Up to 36 months
with credit score of less than 650
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As Low As; Maximum $15,000 - Up to 60 months
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with credit score of less than 650
Rate with Maximum Discount*: 10.75%
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As Low As; Up to 48 months
No additional details available.
As Low As; VISA Platinum and Lifestyle Loan
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Up to $5,000
Up to $5,000
As Low As; UP TO $12,000 MAX - NEW LOANS ONLY - REFINANCED LOANS 12.75%
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from 13.00% APR*
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As Low As; VISA Platinum and Lifestyle Loan
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As Low As; Up to $1,500.00
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$10,000 max* Credit Score of 651 &above $ 5,000 max* Credit Score of 650 & below
No additional details available.
As Low As; VISA Platinum and Lifestyle Loan
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No additional details available.
As Low As; VISA Platinum and Lifestyle Loan
As Low As; VISA Platinum and Lifestyle Loan
No additional details available.
As Low As; Borrow Up To $5000, Up to 36 months
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As Low As; Up to 36 months
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As Low As; Up to 48 months
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As Low As; Up to 60 months
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As Low As; UP TO $12,000 MAX - NEW LOANS ONLY - REFINANCED LOANS 12.75%
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5-year payback
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As Low As; Up to 36 months
As Low As; Maximum $15,000 - Up to 60 months
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As Low As; Up to 48 months
As Low As; Up to 36 mo.
As Low As; Up to 60 months
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Up to $5,000
Up to $5,000
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from 13.00% APR*
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As Low As; Up to $1,500.00
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Independence, MO Personal Loan Rate Trends
Compare local Independence, MO 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 0.027 points over the past 7 days to 12.606% APR.
Missouri signature loan rates currently average 10.250% APR.
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 Independence, Missouri?
What are the best personal loan rates in Independence, Missouri?
- Public Safety Credit Union: 4.99% (Gun Loans)
- Missouri Central Credit Union: 7.00% (PRIME - Up to 80% loan to value)
- Interfaith Federal Credit Union: 7.25% (Church Loans)
- Central Communications Credit Union: 11.99% (Personal Loan)
- United Consumers Credit Union: 13.00% (Signature Loan)
Personal Loan Calculators
