Best Personal Loan Rates in Springfield, 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 Springfield, Missouri include: Foundation Credit UnionFoundation Credit Union1726 W Elfindale St, Springfield, MO, 65807 1289A+5.0 ★Texas Ratio: 3.69% offering Consumer Loans on New & Used Equipment at 5.24% APR, Multipli Credit UnionMultipli Credit Union818 N Benton Ave, Springfield, MO, 65802 3704A+5.0 ★Texas Ratio: 0.72% offering Land Loans at 6.57% 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, BluCurrent Credit UnionBluCurrent Credit Union1770 W SUNSET ST, SPRINGFIELD, MO, 65807A+5.0 ★Texas Ratio: 3.75% offering Signature Loan at 11.00% APR, and Assemblies Of God Credit UnionAssemblies Of God Credit Union1535 N Campbell Ave, Springfield, MO, 65803A5.0 ★Texas Ratio: 11.37% offering Signature at 13.49% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Springfield has 5 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 27, 2026
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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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with credit score 650 or >
Rate with Maximum Discount*: 5.75%
with credit score 650 or >
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up to $250,000; No prepayment penalties; Personal guarantees may be waived
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As Low As; Competitive interest rates starting at 8.90% (APRs starting at 9.05%)*
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with credit score of less than 650
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from 13.00% APR*
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$10,000 max* Credit Score of 651 &above $ 5,000 max* Credit Score of 650 & below
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from 13.00% APR*
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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 0.027 points over the past 7 days to 12.606% APR.
Missouri signature loan rates currently average 10.250% 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% (Consumer Loans on New & Used Equipment)
- Multipli Credit Union: 6.57% (Land Loans)
- Mercy Credit Union: 10.00% (Unsecured Loan)
- BluCurrent Credit Union: 11.00% (Signature Loan)
- Assemblies Of God Credit Union: 13.49% (Signature)
Personal Loan Calculators
