Best Personal Loan Rates in Saint Charles, 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 Saint Charles, Missouri include: First Community Credit UnionFirst Community Credit Union2651 Old Muegge Rd, Saint Charles, MO, 63303 3009A+5.0 ★Texas Ratio: 3.72% offering The Wedding Loan (Signature Loan) at 8.25% APR, Vantage Credit UnionVantage Credit Union19 Research Park Ct, Saint Charles, MO, 63304 5616A5.0 ★Texas Ratio: 6.30% offering Personal Line-of-Credit at 10.66% APR, Alltru Federal Credit UnionAlltru Federal Credit Union1721 Zumbehl Rd, Saint Charles, MO, 63303 2763A5.0 ★Texas Ratio: 13.67% offering Personal Loan at 10.84% APR, Great Southern BankGreat Southern Bank2630 Muegge Rd, Saint Charles, MO, 63303A+5.0 ★Texas Ratio: 1.82% offering Unsecured Loan at 16.75% APR, and Legacy Credit UnionLegacy Credit UnionA+5.0 ★Texas Ratio: 2.90% offering Storm Shelter Loans at 4.25% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Saint Charles has 4 local institutions in our database, with personal loan rates as low as 8.25% APR from First Community Credit Union at 2651 Old Muegge Rd, Saint Charles, MO, 63303 3009. 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 Saint Charles, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saint Charles, 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 8, 2026
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As Low As; APR=Annual Percentage Rate. Best rate quoted. Rates subject to change. Your rate may vary based on your credit qualifications.
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As Low As; APR=Annual Percentage Rate. Best rate quoted. Rates subject to change. Your rate may vary based on your credit qualifications.
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No additional details available.
As Low As; 36 months max term
No additional details available.
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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.
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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 >
$5,000 for Individuals / $10,000 for Churches
No additional details available.
with credit score 650 or >
As Low As; 60 months max term
No additional details available.
No additional details available.
Other terms and restrictions apply
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As Low As; Down Payment as low as: 10%
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No additional details available.
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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.
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over $250,000; As Low As; 5 year adjustable - starting at
$3,001
$1,001
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$500
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up to $250,000; As Low As; 10 year fixed
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.
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No additional details available.
Payable directly to the IRS
You can borrow up to $500 for 10 months for in-class or virtual teaching needs.
No additional details available.
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
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Rate with Maximum Discount*: 5.00%
Rate with Maximum Discount*: 5.00%
No additional details available.
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As Low As; APRs starting at 9.05%
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Special
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
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.
No additional details available.
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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 $15K Limit
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Rate with Maximum Discount*: 6.00%
Rate with Maximum Discount*: 6.00%
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No additional details available.
As Low As; Up to $15,000
No additional details available.
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As Low As; Up to 36 months
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
No additional details available.
Rate with Maximum Discount*: 6.25%
As Low As; Max. loan $20,000
No additional details available.
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5-year payback
No additional details available.
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Rate with Maximum Discount*: 6.50%
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.
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No additional details available.
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As Low As; Max. loan $5,000
No additional details available.
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As Low As; Up to 36 months
with credit score of less than 650
As Low As; $15,000 -$25,000
As Low As; Maximum $15,000 - Up to 60 months
As Low As; 37 to 48 months
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with credit score of less than 650
No additional details available.
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; Terms up to 60 months; Up to $40,000 for qualified Members
No additional details available.
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As Low As; Up to 36 mo.
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As Low As; $25,000 or more
No additional details available.
Available November 1, 2024 - December 31, 2024; $500
As Low As; 60 months max term; $12,000 limit per household
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Credit Score 750+; You can borrow up to: $5,000.00
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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No additional details available.
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As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
Up to $5,000
Up to $5,000
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As Low As; APR=Annual Percentage Rate. Best rate quoted. Rates subject to change. Your rate may vary based on your credit qualifications.
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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
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As Low As; Up to $15,000
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As Low As; Up to 36 months
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As Low As; $15,000 -$25,000
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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.
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No additional details available.
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No additional details available.
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
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5-year payback
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No additional details available.
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No additional details available.
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
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No additional details available.
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As Low As; $4k Maximum or 20% Gross Salary $15K Limit
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As Low As; Up to 36 months
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No additional details available.
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
No additional details available.
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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.
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As Low As; Up to 36 months
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As Low As; Maximum $15,000 - Up to 60 months
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No additional details available.
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; Up to 48 months
As Low As; Up to 60 months
No additional details available.
As Low As; Up to 36 mo.
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As Low As; 49 to 60 months
As Low As; 60 months max term; $12,000 limit per household
Credit Score 750+; You can borrow up to: $5,000.00
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No additional details available.
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Up to $5,000
Up to $5,000
Saint Charles, MO Personal Loan Rate Trends
Compare local Saint Charles, 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 1.379 points over the past 7 days to 13.151% APR.
Missouri signature loan rates rose 6.914 points over the past 7 days to 18.659% 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 Saint Charles, Missouri?
What are the best personal loan rates in Saint Charles, Missouri?
- First Community Credit Union: 8.25% (The Wedding Loan (Signature Loan))
- Vantage Credit Union: 10.66% (Personal Line-of-Credit)
- Alltru Federal Credit Union: 10.84% (Personal Loan)
- Great Southern Bank: 16.75% (Unsecured Loan)
- Legacy Credit Union: 4.25% (Storm Shelter Loans)
Personal Loan Calculators
