Best Personal Loan Rates in Kansas City, Missouri (MO) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Kansas City, Missouri include: 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, KC Area Credit UnionKC Area Credit Union601 E 12th St Rm G 61, Kansas City, MO, 64106A+5.0 ★Texas Ratio: 1.93% offering K-9 Loan at 6.99% APR, KC Unidos Federal Credit UnionKC Unidos Federal Credit Union2130 Jefferson ST Ste A, Kansas City, MO, 64108A+5.0 ★Texas Ratio: 1.83% offering Fixture Loans at 6.99% APR, Missouri Central Credit UnionMissouri Central Credit Union5090 N Oak Trfy, Kansas City, MO, 64118 4619A+5.0 ★Texas Ratio: 4.27% offering PRIME - Up to 80% loan to value at 7.00% APR, and Emprise BankEmprise Bank100 E 20th St, Kansas City, MO, 64108A+5.0 ★Texas Ratio: 0.30% offering Personal Loan at 9.79% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Kansas City has 9 local institutions in our database, with personal loan rates as low as 4.99% APR from Public Safety Credit Union at 2800 E 14th St, Kansas City, MO, 64127. 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 Kansas City, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Kansas City, 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 19, 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.
This promo 'runs away' July 31, 2026.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As; Up to 36 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.
As Low As
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; 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.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
Qualifications Required: Must be an ongoing Holy Rosary Credit Union Member in good standing; Must be enrolled in HRCU's Mobile or Online Banking; Must be 18 years or older; Must have regular deposits to your account; Must have been a member for at least 90 days; $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
As Low As
No additional details available.
As Low As
As Low As; 48 months max term
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.
As Low As
As Low As
No additional details available.
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
As Low As
$500
$1,001
$3,001
As Low As
As Low As
As Low As
No additional details available.
As Low As; Competitive interest rates starting at 8.90% (APRs starting at 9.05%)*
As Low As
As Low As; Including Debt Consolidation
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; *Depending on Credit Score; please see [rate sheet](https://www.mycommunityfirstcu.com/assets/Loan_Rates.pdf) for details
As Low As; VISA Platinum and Lifestyle Loan
As Low As; Up to $15,000
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; Max. loan $20,000
5-year payback
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.
No additional details available.
As Low As
As Low As
As Low As; Max. loan $5,000
As Low As
with credit score of less than 650
As Low As
As Low As
As Low As; Maximum $15,000 - Up to 60 months
No additional details available.
As Low As; $15,000 -$25,000
As Low As
As Low As
with credit score of less than 650
Rate with Maximum Discount*: 10.75%
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.
No additional details available.
As Low As; VISA Platinum and Lifestyle Loan
No additional details available.
As Low As
As Low As; $25,000 or more
As Low As; 60 months max term; $12,000 limit per household
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY - REFINANCED LOANS 12.75%
Up to $5,000
Up to $5,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
As Low As; VISA Platinum and Lifestyle Loan
As Low As; Up to $1,500.00
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; 12 months maximum term
No additional details available.
$10,000 max* Credit Score of 651 &above $ 5,000 max* Credit Score of 650 & below
As Low As; VISA Platinum and Lifestyle Loan
No additional details available.
As Low As
No additional details available.
As Low As; VISA Platinum and Lifestyle Loan
No additional details available.
As Low As; VISA Platinum and Lifestyle Loan
No additional details available.
As Low As
As Low As; Up to 36 months
As Low As; Up to 48 months
As Low As; Up to 60 months
As Low As; Borrow Up To $5000, Up to 36 months
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As; Up to $15,000
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; $15,000 -$25,000
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; $25,000 or more
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 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY - REFINANCED LOANS 12.75%
As Low As
No additional details available.
As Low As
5-year payback
As Low As; Up to 36 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.
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
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As; Including Debt Consolidation
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
No additional details available.
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; Maximum $15,000 - Up to 60 months
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.
No additional details available.
As Low As
As Low As; 60 months max term; $12,000 limit per household
No additional details available.
Up to $5,000
Up to $5,000
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As; Up to $1,500.00
No additional details available.
No additional details available.
No additional details available.
Kansas City, MO Personal Loan Rate Trends
Compare local Kansas City, 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 0.032 points over the past 7 days to 12.926% APR.
Missouri signature loan rates rose 0.019 points over the past 7 days to 10.416% 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 Kansas City, Missouri?
What are the best personal loan rates in Kansas City, Missouri?
- Public Safety Credit Union: 4.99% (Gun Loans)
- KC Area Credit Union: 6.99% (K-9 Loan)
- KC Unidos Federal Credit Union: 6.99% (Fixture Loans)
- Missouri Central Credit Union: 7.00% (PRIME - Up to 80% loan to value)
- Emprise Bank: 9.79% (Personal Loan)
Personal Loan Calculators
