Best Personal Loan Rates in Saint Joseph, 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 Joseph, Missouri include: Postal and Community Credit UnionPostal and Community Credit Union3921 Oakland Ave, Saint Joseph, MO, 64506A+5.0 ★Texas Ratio: 3.88% offering Signature Loan at 9.75% APR, Goetz Credit UnionGoetz Credit Union1905 Howard St, Saint Joseph, MO, 64501 1540A+5.0 ★Texas Ratio: 2.57% offering Signature Loans at 11.75% APR, United Consumers Credit UnionUnited Consumers Credit Union724 N Belt Hwy, Saint Joseph, MO, 64506 3011A+5.0 ★Texas Ratio: 4.31% offering Signature Loan at 13.00% APR, District One Highway Credit UnionDistrict One Highway Credit Union3011 N Belt Hwy Ste B, Saint Joseph, MO, 64506 1548A+5.0 ★Texas Ratio: 0.00% offering Flexiloan at 15.00% APR, and Holy Rosary Credit Union Kansas City, MOHoly Rosary Credit Union Kansas City, MO1002 N 4th ST, Saint Joseph, MO, 64501 1142B+4.8 ★Texas Ratio: 17.24% offering Tight Spot Loan at 18.00% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Saint Joseph has 5 local institutions in our database, with personal loan rates as low as 9.75% APR from Postal and Community Credit Union at 3921 Oakland Ave, Saint Joseph, MO, 64506. 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 Joseph, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saint Joseph, 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
As Low As
No additional details available.
No additional details available.
As Low As
$10,000 max* Credit Score of 651 &above $ 5,000 max* Credit Score of 650 & below
$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
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No additional details available.
As Low As; Terms up to 36 months; Only sworn or certified first responders are eligible; Maximum loan amount - $5,000
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 >
No additional details available.
$5,000 for Individuals / $10,000 for Churches
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
As Low As; Down Payment as low as: 10%
No additional details available.
As Low As
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.
over $250,000; As Low As; 5 year adjustable - starting at
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No additional details available.
up to $250,000; As Low As; 10 year fixed
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As Low As
$500
$1,001
$3,001
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.
Payable directly to the IRS
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
No additional details available.
Rate with Maximum Discount*: 5.00%
Rate with Maximum Discount*: 5.00%
As Low As; APRs starting at 9.05%
As Low As
As Low As
As Low As; Including Debt Consolidation
As Low As
Special
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
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
No additional details available.
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
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
Rate with Maximum Discount*: 6.00%
Rate with Maximum Discount*: 6.00%
As Low As
As Low As; Up to 36 months
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; $4k Maximum or 20% Gross Salary $15K Limit
Rate with Maximum Discount*: 6.25%
No additional details available.
As Low As
No additional details available.
As Low As; Max. loan $20,000
No additional details available.
5-year payback
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; APR=Annual Percentage Rate. Best rate quoted. Rates subject to change. Your rate may vary based on your credit qualifications.
No additional details available.
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
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; Maximum $15,000 - Up to 60 months
As Low As; 37 to 48 months
As Low As
As Low As
As Low As
As Low As
As Low As
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.
As Low As; Up to 36 mo.
As Low As; Up to 60 months
As Low As
As Low As
As Low As; 49 to 60 months
As Low As; $25,000 or more
As Low As
Available November 1, 2024 - December 31, 2024; $500
No additional details available.
As Low As; 60 months max term; $12,000 limit per household
As Low As
As Low As
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.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
Up to $5,000
Up to $5,000
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
No additional details available.
As Low As
No additional details available.
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; $15,000 -$25,000
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
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As Low As; $25,000 or more
As Low As
No additional details available.
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As Low As
No additional details available.
As Low As
No additional details available.
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
As Low As
No additional details available.
5-year payback
No additional details available.
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As Low As
No additional details available.
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 $15K Limit
No additional details available.
As Low As
As Low As; Including Debt Consolidation
As Low As
No additional details available.
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
As Low As; Up to 36 months
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
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
No additional details available.
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
As Low As
As Low As
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 36 mo.
As Low As; Up to 60 months
As Low As
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
As Low As
No additional details available.
Up to $5,000
Up to $5,000
Saint Joseph, MO Personal Loan Rate Trends
Compare local Saint Joseph, 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 Joseph, Missouri?
What are the best personal loan rates in Saint Joseph, Missouri?
- Postal and Community Credit Union: 9.75% (Signature Loan)
- Goetz Credit Union: 11.75% (Signature Loans)
- United Consumers Credit Union: 13.00% (Signature Loan)
- District One Highway Credit Union: 15.00% (Flexiloan)
- Holy Rosary Credit Union Kansas City, MO: 18.00% (Tight Spot Loan)
Personal Loan Calculators
