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, Interfaith Federal Credit UnionInterfaith Federal Credit Union14506 E 39th St S, Independence, MO, 64055A+5.0 ★Texas Ratio: 1.60% offering Clergy Debt Relief Program at 5.99% 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, 1st MidAmerica Credit Union1st MidAmerica Credit Union19301 E Valley View Pkwy, Independence, MO, 64055A+5.0 ★Texas Ratio: 3.01% offering Signature Loan at 10.70% APR, and City Credit UnionCity Credit Union2550 S State Route 291, Independence, MO, 64057 1226A5.0 ★Texas Ratio: 8.36% offering Signature at 10.71% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Independence has 8 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 6, 2026
As Low As; Terms up to 36 months; Only sworn or certified first responders are eligible; Maximum loan amount - $5,000
No additional details available.
$5,000 for Individuals / $10,000 for Churches
No additional details available.
As Low As
over $250,000; As Low As; 5 year adjustable - starting at
up to $250,000; As Low As; 10 year fixed
No additional details available.
Payable directly to the IRS
As Low As; Including Debt Consolidation
No additional details available.
As Low As
No additional details available.
No additional details available.
Available November 1, 2024 - December 31, 2024; $500
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
$20.00 application fee (denied or approved).
No additional details available.
As Low As; 36 months max term
No additional details available.
As Low As
balance $20,000
As Low As
No additional details available.
As Low As
balance $75,000
As Low As; 48 months max term
balance $75,000
No additional details available.
balance $75,000
with credit score 650 or >
with credit score 650 or >
Rate with Maximum Discount*: 5.75%
As Low As; 60 months max term
No additional details available.
No additional details available.
Other terms and restrictions apply
As Low As
As Low As
As Low As; Down Payment as low as: 10%
As Low As
No additional details available.
No additional details available.
No additional details available.
$1,001
$3,001
As Low As
$500
As Low As
As Low As; Loan funds disbursed directly to creditors; There is a one-time $100 loan origination fee. Loan example: $25,00 0 at 7.50 for 60 monthly payments of approximately $500.95 each with a corresponding APR of 7.66%. All loans are subject to approval. Additional terms and conditions may apply. Rates are subject to change.
As Low As
As Low As
No additional details available.
You can borrow up to $500 for 10 months for in-class or virtual teaching needs.
As Low As
As Low As; $4k Maximum or 20% Gross Salary
As Low As
No additional details available.
2024 & Newer
As Low As
As Low As; APRs starting at 9.05%
Special
As Low As
As Low As
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
No additional details available.
As Low As
As Low As
Rate with Maximum Discount*: 5.50%
Loan Amounts: $1,000 to $300,000; Maximum LTV: 75%
As Low As; $4k Maximum or 20% Gross Salary
As Low As
Rate with Maximum Discount*: 6.00%
As Low As
As Low As
As Low As; Up to 36 months
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Up to $15,000
No additional details available.
As Low As
As Low As; $4k Maximum or 20% Gross Salary
As Low As; Max. loan $20,000
No additional details available.
No additional details available.
No additional details available.
Rate with Maximum Discount*: 6.25%
5-year payback
No additional details available.
As Low As
No additional details available.
Rate with Maximum Discount*: 6.50%
As Low As
As Low As
No additional details available.
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; Max. loan $5,000
As Low As
As Low As
with credit score of less than 650
As Low As; Up to 36 months
As Low As
As Low As; $15,000 -$25,000
As Low As
As Low As; Maximum $15,000 - Up to 60 months
As Low As; 37 to 48 months
As Low As
No additional details available.
with credit score of less than 650
Rate with Maximum Discount*: 10.75%
As Low As
As Low As
As Low As
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; Up to 48 months
As Low As; Terms up to 60 months; Up to $40,000 for qualified Members
No additional details available.
No additional details available.
As Low As; Up to 36 mo.
As Low As; Up to 60 months
As Low As
As Low As; 49 to 60 months
As Low As; $25,000 or more
As Low As
As Low As
As Low As
Credit Score 750+; You can borrow up to: $5,000.00
As Low As; 60 months max term; $12,000 limit per household
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
Up to $5,000
Up to $5,000
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
As Low As
As Low As
As Low As
No additional details available.
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; Up to 36 months
As Low As
As Low As; $15,000 -$25,000
As Low As
As Low As
As Low As
As Low As; Up to 48 months
As Low As; Terms up to 60 months; Up to $40,000 for qualified Members
No additional details available.
As Low As; Up to 60 months
As Low As
As Low As; $25,000 or more
As Low As
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
As Low As
No additional details available.
No additional details available.
As Low As
5-year payback
As Low As; Including Debt Consolidation
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As; $4k Maximum or 20% Gross Salary
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; $4k Maximum or 20% Gross Salary
As Low As
As Low As; Up to 36 months
As Low As
No additional details available.
As Low As
As Low As; $4k Maximum or 20% Gross Salary
No additional details available.
No additional details available.
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
As Low As; Up to 36 months
As Low As; 37 to 48 months
As Low As; Maximum $15,000 - Up to 60 months
No additional details available.
As Low As
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; Up to 48 months
No additional details available.
As Low As; Up to 36 mo.
As Low As; Up to 60 months
As Low As; 49 to 60 months
As Low As
As Low As; 60 months max term; $12,000 limit per household
Credit Score 750+; You can borrow up to: $5,000.00
No additional details available.
No additional details available.
Up to $5,000
Up to $5,000
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 1.101 points over the past 7 days to 13.184% APR.
Missouri signature loan rates rose 7.901 points over the past 7 days to 18.678% 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)
- Interfaith Federal Credit Union: 5.99% (Clergy Debt Relief Program)
- Missouri Central Credit Union: 7.00% (PRIME - Up to 80% loan to value)
- 1st MidAmerica Credit Union: 10.70% (Signature Loan)
- City Credit Union: 10.71% (Signature)
Personal Loan Calculators
