Best Personal Loan Rates in Joplin, 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 Joplin, Missouri include: Legacy Credit UnionLegacy Credit Union3202 Indiana Ave, Joplin, MO, 64804 4037A+5.0 ★Texas Ratio: 2.90% offering Storm Shelter Loans at 4.25% APR, Great Plains Federal Credit UnionGreat Plains Federal Credit Union2306 S RANGE LINE RD, JOPLIN, MO, 64804A+5.0 ★Texas Ratio: 2.27% offering Other Loans at 6.75% APR, Mercy Credit UnionMercy Credit Union100 Mercy Way, Joplin, MO, 64804A+5.0 ★Texas Ratio: 1.69% offering Unsecured Loan at 10.00% APR, Joplin Metro Credit UnionJoplin Metro Credit Union3301 Texas Ave, Joplin, MO, 64804A+5.0 ★Texas Ratio: 1.31% offering Signature Loan at 10.99% APR, and Great Southern BankGreat Southern Bank1710 E 32nd St, Joplin, MO, 64804A+5.0 ★Texas Ratio: 1.82% offering Unsecured Loan at 16.75% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Joplin has 5 local institutions in our database, with personal loan rates as low as 4.25% APR from Legacy Credit Union at 3202 Indiana Ave, Joplin, MO, 64804 4037. 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 Joplin, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Joplin, 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 12, 2026
As Low As; 36 months max term
As Low As; 48 months max term
As Low As; 60 months max term
As Low As
No additional details available.
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As Low As
As Low As; 60 months max term; $12,000 limit per household
As Low As; 12 months maximum term
No additional details available.
No additional details available.
No additional details available.
As Low As
balance $20,000
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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.
As Low As
balance $75,000
balance $75,000
with credit score 650 or >
balance $75,000
with credit score 650 or >
Other terms and restrictions apply
No additional details available.
As Low As
As Low As; Down Payment as low as: 10%
As Low As
No additional details available.
This promo 'runs away' July 31, 2026.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
No additional details available.
As Low As
over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
up to $250,000; As Low As; 10 year fixed
$3,001
As Low As
$1,001
$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.
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As Low As; $4k Maximum or 20% Gross Salary $15K Limit
As Low As
Rate with Maximum Discount*: 5.00%
No additional details available.
As Low As
As Low As; APRs starting at 9.05%
As Low As; Including Debt Consolidation
As Low As
Designed to recognize eligible heroes who serve, offering a special 8.99% APR*. Borrow $200 - $50,000 with flexible terms and affordable monthly payments.
No additional details available.
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As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Low rates starting at 9.14% APR*, fast approval, and flexibility with borrowing starting $200. Apply online in minutes for quick access to funds.
As Low As
As Low As; *Depending on Credit Score; please see [rate sheet](https://www.mycommunityfirstcu.com/assets/Loan_Rates.pdf) for details
Rate with Maximum Discount*: 5.50%
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
As Low As
As Low As
Rate with Maximum Discount*: 6.00%
As Low As
Fixed rates starting at
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; Up to $15,000
5-year payback
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
No additional details available.
As Low As
No additional details available.
As Low As; Max. loan $20,000
Rate with Maximum Discount*: 6.25%
No additional details available.
As Low As
As Low As
Rate with Maximum Discount*: 6.50%
As Low As
As Low As
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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.
No additional details available.
As Low As; Max. loan $5,000
As Low As
As Low As; APR=Annual Percentage Rate. Best rate quoted. Rates subject to change. Your rate may vary based on your credit qualifications.
Up to 60 months
As Low As
As Low As; Up to 36 months
with credit score of less than 650
As Low As
As Low As; $15,000 -$25,000
No additional details available.
As Low As; Maximum $15,000 - Up to 60 months
As Low As
As Low As
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; APR=Annual Percentage Rate. Best rate quoted. Rates subject to change. Your rate may vary based on your credit qualifications.
As Low As
As Low As
As Low As
No additional details available.
Rates range from 11.00% to 18.00% Annual Percentage Rate (APR). No origination fee and no prepayment penalty. For example, if you get approved for a $10,000 loan at 12.99% APR for a term of 48 months, you'll pay just $270 per month with no origination fee. This example assumes that all payments are made on time.
with credit score of less than 650
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
No additional details available.
As Low As; Up to 36 mo.
As Low As; Up to 60 months
No additional details available.
As Low As
As Low As
As Low As; $25,000 or more
As Low As; Borrow Up To $5000, Up to 36 months
As Low As
Available November 1, 2024 - December 31, 2024; $500
No additional details available.
Credit Score 750+; You can borrow up to: $5,000.00
As Low As
As Low As
As Low As; rates are based on applicant's credit bureau score and various discounts
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
As Low As
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; Credit union personal loans starting at 12.49% APR*. Borrow up to $50,000.
Up to $5,000
Up to $5,000
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY - REFINANCED LOANS 12.75%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
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As Low As
As Low As; Low rates starting at 9.14% APR*, fast approval, and flexibility with borrowing starting $200. Apply online in minutes for quick access to funds.
As Low As
No additional details available.
Fixed rates starting at
No additional details available.
As Low As
As Low As
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; APR=Annual Percentage Rate. Best rate quoted. Rates subject to change. Your rate may vary based on your credit qualifications.
As Low As
No additional details available.
As Low As; $15,000 -$25,000
As Low As
As Low As; Up to 48 months
As Low As
No additional details available.
As Low As; Up to 60 months
As Low As
As Low As; $25,000 or more
As Low As; Borrow Up To $5000, Up to 36 months
As Low As
As Low As
As Low As
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
As Low As
No additional details available.
As Low As; Credit union personal loans starting at 12.49% APR*. Borrow up to $50,000.
As Low As
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY - REFINANCED LOANS 12.75%
No additional details available.
5-year payback
No additional details available.
As Low As
As Low As
As Low As
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
As Low As
No additional details available.
As Low As
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
As Low As; Including Debt Consolidation
As Low As
No additional details available.
No additional details available.
As Low As; *Depending on Credit Score; please see [rate sheet](https://www.mycommunityfirstcu.com/assets/Loan_Rates.pdf) for details
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
As Low As
As Low As
No additional details available.
As Low As
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
No additional details available.
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 60 months
As Low As
As Low As; Up to 36 months
As Low As; Maximum $15,000 - Up to 60 months
As Low As
As Low As; *multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
Rates range from 11.00% to 18.00% Annual Percentage Rate (APR). No origination fee and no prepayment penalty. For example, if you get approved for a $10,000 loan at 12.99% APR for a term of 48 months, you'll pay just $270 per month with no origination fee. This example assumes that all payments are made on time.
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; Up to 48 months
No additional details available.
As Low As; Up to 60 months
No additional details available.
As Low As; Up to 36 mo.
As Low As
As Low As
As Low As; rates are based on applicant's credit bureau score and various discounts
Credit Score 750+; You can borrow up to: $5,000.00
No additional details available.
Up to $5,000
Up to $5,000
No additional details available.
Joplin, MO Personal Loan Rate Trends
Compare local Joplin, 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 12.894% APR.
Missouri signature loan rates currently average 10.397% 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 Joplin, Missouri?
What are the best personal loan rates in Joplin, Missouri?
- Legacy Credit Union: 4.25% (Storm Shelter Loans)
- Great Plains Federal Credit Union: 6.75% (Other Loans)
- Mercy Credit Union: 10.00% (Unsecured Loan)
- Joplin Metro Credit Union: 10.99% (Signature Loan)
- Great Southern Bank: 16.75% (Unsecured Loan)
Personal Loan Calculators
