Best Personal Loan Rates in Saint Louis, Missouri (MO) - May 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 Louis, Missouri include: County Credit UnionCounty Credit Union130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913A+5.0 ★Texas Ratio: 3.60% offering Signature (Personal) at 4.99% APR, St Louis Policemen`s Credit UnionSt Louis Policemen`s Credit Union1915 Olive St, Saint Louis, MO, 63103A+5.0 ★Texas Ratio: 3.88% offering Signature Loan at 7.00% APR, Health Care Family Credit UnionHealth Care Family Credit Union2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406A5.0 ★Texas Ratio: 10.45% offering Fixed HE Loan at 7.25% APR, Patriot Credit UnionPatriot Credit Union4343 Telegraph Rd, Saint Louis, MO, 63129 2648A-5.0 ★Texas Ratio: 13.49% offering Signature at 7.90% APR, and Members 1st Credit Union Saint Louis, MOMembers 1st Credit Union Saint Louis, MO4702 Mattis Rd, Saint Louis, MO, 63128A+5.0 ★Texas Ratio: 2.31% offering Signature Loan at 9.00% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Saint Louis has 16 local institutions in our database, with personal loan rates as low as 4.99% APR from County Credit Union at 130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913. 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 Louis, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saint Louis, 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: May 23, 2026
Saint Louis Personal Loan Rates
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with credit score 650 or >
with credit score 650 or >
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This promo 'runs away' July 31, 2026.
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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.
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over $250,000; As Low As; 30 year term, due in 15 years; No prepayment penalties; Personal guarantees may be waived
up to $250,000; As Low As; No prepayment penalties; Personal guarantees may be waived
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$3,001
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Rate with Maximum Discount*: 5.00%
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Rate with Maximum Discount*: 5.50%
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Rate with Maximum Discount*: 6.00%
As Low As; Up to $15,000
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Rate with Maximum Discount*: 6.25%
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Rate with Maximum Discount*: 6.50%
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with credit score of less than 650
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As Low As; $15,000 -$25,000
with credit score of less than 650
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As Low As; $25,000 or more
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Credit Score 750+; You can borrow up to: $5,000.00
As Low As; 60 months max term; $12,000 limit per household
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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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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Credit Score 700 - 749; You can borrow up to: $5,000.00
As Low As; Up to $1,500.00
Credit Score 675 - 699; You can borrow up to: $4,000.00
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$10,000 maximum* - Credit Score of 651 & above $5,000 maximum* - Credit Score of 650 & below
Credit Score 625 - 674; You can borrow up to: $3,000.00
As Low As; 12 months maximum term
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$1,000
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$500
Saint Louis Personal Loan Rates
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Saint Louis Debt Consolidation Loan Rates
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Saint Louis Signature Loan Rates
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As Low As; Up to 36 mo.
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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
As Low As; 60 months max term; $12,000 limit per household
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Up to $5,000
Up to $5,000
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Credit Score 700 - 749; You can borrow up to: $5,000.00
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As Low As; Up to $1,500.00
Credit Score 675 - 699; You can borrow up to: $4,000.00
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$10,000 maximum* - Credit Score of 651 & above $5,000 maximum* - Credit Score of 650 & below
Credit Score 625 - 674; You can borrow up to: $3,000.00
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Saint Louis, MO Personal Loan Rate Trends
Compare local Saint Louis, 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 0.413 points over the past 7 days to 12.178% APR.
Missouri signature loan rates rose 0.172 points over the past 7 days to 11.500% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Louis, Missouri personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Saint Louis, Missouri directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Saint Louis, Missouri. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MO.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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 Louis, Missouri?
What are the best personal loan rates in Saint Louis, Missouri?
- County Credit Union: 4.99% (Signature (Personal))
- St Louis Policemen`s Credit Union: 7.00% (Signature Loan)
- Health Care Family Credit Union: 7.25% (Fixed HE Loan)
- Patriot Credit Union: 7.90% (Signature)
- Members 1st Credit Union Saint Louis, MO: 9.00% (Signature Loan)
Saint Louis, Missouri Rates & Resources
Personal Loan Calculators
