Best Personal Loan Rates in Independence, Missouri - July
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: 0.98% offering Gun Loans at 4.99% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union14506 E 39th St S, Independence, MO, 64055A+5.0 ★Texas Ratio: 1.57% offering Church Loans at 7.25% APR, 1st MidAmerica Credit Union1st MidAmerica Credit Union19301 E Valley View Pkwy, Independence, MO, 64055A+5.0 ★Texas Ratio: 2.79% offering Platinum Loan at 8.90% APR, Missouri Central Credit UnionMissouri Central Credit Union17811 E US Highway 40, Independence, MO, 64055 5406A+5.0 ★Texas Ratio: 3.83% offering Signature Loans at 11.25% APR, and United Consumers Credit UnionUnited Consumers Credit Union1111 E 23rd St S, Independence, MO, 64055A+5.0 ★Texas Ratio: 3.93% offering Signature Loan at 13.00% APR. Personal loan rates as of July 6, 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: July 6, 2026
Independence Personal Loan Rates
As Low As; Rates, 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
Loans up to $250,000. No prepayment penalties. Personal guarantees may be waived.
Purchases and Cash Advances; and Balance Transfers that occur after six months of opening the card.
As Low As; Including Debt Consolidation
Based upon credit worthiness. Purchases and Cash Advances; and Balance Transfers that occur after six months of opening the card.
No additional details available.
As Low As; Rates, 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.
No additional details available.
No additional details available.
No additional details available.
As Low As
$30,000 max loan amount
As Low As
$30,000 max loan amount
No additional details available.
$30,000 max loan amount
As Low As; Conditions: Purchase Only. Non-Title Loan Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Values determined by sticker price or NADA guide. Please contact the credit union for current loan rates and loan details.
No additional details available.
As Low As; 100% financing with qualified credit
As Low As; Conditions: Purchase Only. Non-Title Loan Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Values determined by sticker price or NADA guide. Please contact the credit union for current loan rates and loan details.
No additional details available.
As Low As
As Low As
As Low As; 100% financing with qualified credit
As Low As; 100% financing with qualified credit
No additional details available.
Rates as Low As: Conditions: Purchase Only. Non-Title Loan Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Values determined by sticker price or NADA guide. Please contact the credit union for current loan rates and loan details.
No additional details available.
As Low As; 100% financing with qualified credit
Rates as Low As: Conditions: Purchase Only. Non-Title Loan Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Values determined by sticker price or NADA guide. Please contact the credit union for current loan rates and loan details.
$500; Base Rate (APR): 9.00%
$1,001; Base Rate (APR): 9.00%
$3,001; Base Rate (APR): 9.00%
Rates as low as...
No additional details available.
As Low As; Rates effective as of 04/14/2026. Rates subject to change without notice.
As Low As; Rates Starting at:*
As Low As; 100% financing with qualified credit
No additional details available.
No additional details available.
As Low As; 100% financing with qualified credit
No additional details available.
As Low As
No additional details available.
As Low As; 100% financing with qualified credit
No additional details available.
No additional details available.
See footnote **
Up to $15,000
loan length
Apply for $500 to $10,000 with up to 60 months to repay the loan, and enjoy fixed rates as low as 9.99% APR*. Rates are subject to change and based on member creditworthiness, dollar amount and term. Terms and conditions apply. Contact GMFCU for complete details.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
Maximum $15,000
APR*=Annual Percentage Rate (excludes loan fees)
$15,000 - $25,000
As Low As; *must qualify for rate
As Low As; multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
No additional details available.
Rates as low as...
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
Starting as low as 11.75% APR
$25,000 or more
$12,000 limit per household
Credit score: 750+; Borrow up to: $5,000.00
No additional details available.
$7,499.99; Reflects AutoPay .25% deduction
$7,500; Reflects AutoPay .25% deduction
As Low As
As Low As; Interest
As Low As; Level 1 APR* (730+)
No additional details available.
No additional details available.
As Low As; Interest
Up to $12,000 MAX - New Loans Only
Up to $5,000; Base Rate (APR): 14.00%
Up to $5,000; Base Rate (APR): 14.00%
Refinanced Loans
As Low As; Level 2 APR* (680-729)
No additional details available.
No additional details available.
New Only - Must have model & serial numbers; 95% of purchase price up to $3,500
Credit score: 700 - 749; Borrow up to: $5,000.00
No additional details available.
As Low As; Level 3 APR* (640-679)
No additional details available.
No additional details available.
Credit score: 675 - 699; Borrow up to: $4,000.00
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Credit score: 625 - 674; Borrow up to: $3,000.00
As Low As; Level 4 APR* (600-639)
As Low As; Level 5 APR* (550-599)
$1,000
As Low As*
As Low As; Level 6 APR* (549 or lower)
$500; Base Rate (APR): No Base
No additional details available.
Independence Personal Loan Rates
No additional details available.
As Low As
As Low As; Rates Starting at:*
As Low As
See footnote **
Up to $15,000
loan length
Apply for $500 to $10,000 with up to 60 months to repay the loan, and enjoy fixed rates as low as 9.99% APR*. Rates are subject to change and based on member creditworthiness, dollar amount and term. Terms and conditions apply. Contact GMFCU for complete details.
No additional details available.
As Low As; *must qualify for rate
$15,000 - $25,000
No additional details available.
No additional details available.
$25,000 or more
As Low As
As Low As; Interest
No additional details available.
As Low As; Interest
Up to $12,000 MAX - New Loans Only
Refinanced Loans
Independence Debt Consolidation Loan Rates
No additional details available.
No additional details available.
Independence Signature Loan Rates
As Low As; Including Debt Consolidation
No additional details available.
As Low As
No additional details available.
As Low As; Rates effective as of 04/14/2026. Rates subject to change without notice.
loan length
Apply for $500 to $10,000 with up to 60 months to repay the loan, and enjoy fixed rates as low as 9.99% APR*. Rates are subject to change and based on member creditworthiness, dollar amount and term. Terms and conditions apply. Contact GMFCU for complete details.
As Low As
As Low As
No additional details available.
As Low As
Maximum $15,000
APR*=Annual Percentage Rate (excludes loan fees)
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
Rates as low as...
As Low As
Starting as low as 11.75% APR
No additional details available.
As Low As
$12,000 limit per household
Credit score: 750+; Borrow up to: $5,000.00
As Low As; Level 1 APR* (730+)
No additional details available.
Up to $5,000; Base Rate (APR): 14.00%
Up to $5,000; Base Rate (APR): 14.00%
As Low As; Level 2 APR* (680-729)
No additional details available.
No additional details available.
Credit score: 700 - 749; Borrow up to: $5,000.00
As Low As; Level 3 APR* (640-679)
No additional details available.
Credit score: 675 - 699; Borrow up to: $4,000.00
No additional details available.
No additional details available.
Credit score: 625 - 674; Borrow up to: $3,000.00
As Low As; Level 4 APR* (600-639)
As Low As; Level 5 APR* (550-599)
As Low As; Level 6 APR* (549 or lower)
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 currently average 11.986% APR.
Missouri signature loan rates currently average 12.131% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Independence, 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 Independence, 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 Independence, 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 Independence, Missouri?
What are the best personal loan rates in Independence, Missouri?
- Public Safety Credit Union: 4.99% (Gun Loans)
- Interfaith Federal Credit Union: 7.25% (Church Loans)
- 1st MidAmerica Credit Union: 8.90% (Platinum Loan)
- Missouri Central Credit Union: 11.25% (Signature Loans)
- United Consumers Credit Union: 13.00% (Signature Loan)
Independence, Missouri Rates & Resources
Personal Loan Calculators
