Best Personal Loan Rates in Springfield, Missouri (MO) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in Springfield, Missouri include: Foundation Credit UnionFoundation Credit Union1726 W Elfindale St, Springfield, MO, 65807 1289A+5.0 ★Texas Ratio: 3.69% offering Agricultural Equipment Loan at 5.24% APR, Multipli Credit UnionMultipli Credit Union818 N Benton Ave, Springfield, MO, 65802 3704A+5.0 ★Texas Ratio: 0.72% offering FHA, VA, USDA Loans at 6.43% APR, Americas Credit UnionAmericas Credit Union2350 E Bennett St, Springfield, MO, 65804 1732A+5.0 ★Texas Ratio: 3.51% offering Signature Loan at 9.99% APR, Mercy Credit UnionMercy Credit Union1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238A+5.0 ★Texas Ratio: 1.69% offering Unsecured Loan at 10.00% APR, and BluCurrent Credit UnionBluCurrent Credit Union1770 W SUNSET ST, SPRINGFIELD, MO, 65807A+5.0 ★Texas Ratio: 3.75% offering Signature Loan at 11.00% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Springfield has 7 local institutions in our database, with personal loan rates as low as 5.24% APR from Foundation Credit Union at 1726 W Elfindale St, Springfield, MO, 65807 1289. 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 Springfield, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Springfield, 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 6, 2026
As Low As
No additional details available.
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As Low As; Up to 36 months
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As Low As; 37 to 48 months
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As Low As; 49 to 60 months
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As Low As
No additional details available.
No additional details available.
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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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.
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 >
Rate with Maximum Discount*: 5.75%
As Low As; 60 months max term
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.
As Low As
over $250,000; As Low As; 5 year adjustable - starting at
No additional details available.
$500
$3,001
$1,001
As Low As
As Low As
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.
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
2024 & Newer
No additional details available.
As Low As
As Low As; APRs starting at 9.05%
As Low As
Special
As Low As
No additional details available.
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
As Low As
As Low As; Including Debt Consolidation
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; $4k Maximum or 20% Gross Salary $15K Limit
As Low As
As Low As
Rate with Maximum Discount*: 6.00%
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.
Rate with Maximum Discount*: 6.25%
As Low As; Max. loan $20,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
5-year payback
As Low As
Rate with Maximum Discount*: 6.50%
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; Max. loan $5,000
As Low As
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
As Low As
As Low As; Maximum $15,000 - Up to 60 months
As Low As; $15,000 -$25,000
As Low As
As Low As
As Low As
with credit score of less than 650
Rate with Maximum Discount*: 10.75%
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; 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
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
Available November 1, 2024 - December 31, 2024; $500
No additional details available.
As Low As
Credit Score 750+; You can borrow up to: $5,000.00
As Low As
As Low As
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.
No additional details available.
As Low As
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
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; Up to $15,000
As Low As
As Low As
No additional details available.
As Low As
As Low As; Up to 36 months
As Low As
As Low As
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
As Low As
As Low As; $25,000 or more
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As Low As
As Low As
No additional details available.
As Low As
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
No additional details available.
5-year payback
No additional details available.
As Low As
As Low As; Up to 36 months
As Low As; 37 to 48 months
As Low As
As Low As; 49 to 60 months
As Low As
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.
As Low As
No additional details available.
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
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; Maximum $15,000 - Up to 60 months
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.
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.
As Low As
Credit Score 750+; You can borrow up to: $5,000.00
As Low As; 60 months max term; $12,000 limit per household
No additional details available.
No additional details available.
Up to $5,000
Up to $5,000
Springfield, MO Personal Loan Rate Trends
Compare local Springfield, 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 Springfield, Missouri?
What are the best personal loan rates in Springfield, Missouri?
- Foundation Credit Union: 5.24% (Agricultural Equipment Loan)
- Multipli Credit Union: 6.43% (FHA, VA, USDA Loans)
- Americas Credit Union: 9.99% (Signature Loan)
- Mercy Credit Union: 10.00% (Unsecured Loan)
- BluCurrent Credit Union: 11.00% (Signature Loan)
Personal Loan Calculators
