Best Personal Loan Rates in Des Moines, Iowa - June 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 Des Moines, Iowa include: Community Choice Credit Union Johnston, IACommunity Choice Credit Union Johnston, IA700 Lyon st, Des Moines, IA, 50309 5457A+5.0 ★Texas Ratio: 2.96% offering 2024 Loan at 4.52% APR, Journey Credit UnionJourney Credit Union1400 2nd Ave, Des Moines, IA, 50314 3403A+5.0 ★Texas Ratio: 5.54% offering 2024 & Newer Loan at 4.94% APR, Midwest Heritage BankMidwest Heritage Bank4605 Fleur Dr, Des Moines, IA, 50321A+5.0 ★Texas Ratio: 0.99% offering 2022 or Newer Loan at 5.58% APR, First Class Community Credit UnionFirst Class Community Credit Union303 Euclid Ave, Des Moines, IA, 50313 4349A+5.0 ★Texas Ratio: 1.66% offering 2025 or Newer Loan at 7.25% APR, and Collins Community Credit UnionCollins Community Credit Union601 E Court Ave, Des Moines, IA, 50309B-4.3 ★Texas Ratio: 21.19% offering Credit Builder Loan at 8.50% APR. Personal loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Des Moines has 7 local institutions in our database, with personal loan rates as low as 4.52% APR from Community Choice Credit Union Johnston, IA at 700 Lyon st, Des Moines, IA, 50309 5457. 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 Des Moines, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Des Moines, Iowa. 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: June 23, 2026
Des Moines Personal Loan Rates
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Loan Amount: $25,000
As Low As
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As
Loan Amount: $20,000
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; (fixed)
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As; Mileage restrictions may apply. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Loan Amount: $15,000
As Low As
Money for anything you can imagine. (Fixed term)
As Low As; Loyalty APR: 8.85%
As Low As
Money for anything you can imagine. (Fixed term)
Loan Amount: $10,000
As Low As; Loyalty APR: 9.35%
No additional details available.
Money for anything you can imagine. (Fixed term)
No additional details available.
As Low As
Money for anything you can imagine. (Fixed term)
As Low As;*
Money for anything you can imagine. (Fixed term)
No additional details available.
No additional details available.
Regular APR: 15.49% - 20.99%
No additional details available.
No additional details available.
As Low As; APR*
As Low As; APR*
No additional details available.
As Low As; *
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
No additional details available.
No additional details available.
APR*
No additional details available.
As Low As
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Relationship Rate; As low as APR*
As low as APR*
Relationship Rate; As low as APR*
As Low As
As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
No additional details available.
No additional details available.
No additional details available.
As Low As; Relationship Rate: 5.04%*
As Low As
Relationship Rate; As low as APR*
As Low As
As Low As; Relationship Rate: 5.14%*
As low as APR*
As Low As; Relationship Rate: 5.14%*
As Low As
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
No additional details available.
As low as APR*
As low as APR*
No additional details available.
No additional details available.
APR*
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Term: 66
As Low As; Term: 60
As Low As
As Low As; Relationship Rate: 5.34%*
As low as APR*
No additional details available.
As Low As; Term: 48
As Low As; Term: 36
As low as APR*
As low as APR*
As Low As; *
No additional details available.
No additional details available.
No additional details available.
Balloon loan; Rate can reset at the end of the initial period based on market interest rates. A recalculation of the amortization schedule, based on a new rate and term is done at the time the initial term matures or expires. Some closing fees apply at the time of resetting the interest rate and amortization.
As Low As
No additional details available.
No additional details available.
Balloon loan; Rate can reset at the end of the initial period based on market interest rates. A recalculation of the amortization schedule, based on a new rate and term is done at the time the initial term matures or expires. Some closing fees apply at the time of resetting the interest rate and amortization.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
80% loan-to-value ratio, Refinanced (existing loans) must add an additional $5,000 to receive this rate **Up to 180 months with 66 month balloon for loans over $15,000; APR*
No additional details available.
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
APR*
Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Interest Rate
Balloon loan; Rate can reset at the end of the initial period based on market interest rates. A recalculation of the amortization schedule, based on a new rate and term is done at the time the initial term matures or expires. Some closing fees apply at the time of resetting the interest rate and amortization.
As Low As; Loyalty APR: 5.59%
As Low As
No additional details available.
As Low As; Term: 60
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Term: 48
As Low As; Loyalty APR: 5.79%
As Low As
As Low As; Term: 36
APR* as low as
APR*
No additional details available.
APR*
No additional details available.
APR* as low as
For $20,000, the monthly payment will be approximately $229.00.
No additional details available.
As Low As
As Low As; Loyalty APR: 6.34%
APR effective 10/1/2025
No additional details available.
No additional details available.
No additional details available.
No additional details available.
APR* as low as
$12
Under $25,000
No additional details available.
APR*
No additional details available.
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
APR*
Des Moines Personal Loan Rates
As Low As
As Low As
As Low As
As Low As
As Low As; Offer valid 4/1/2026 - 6/30/2026. Valid only on new loans submitted and approved. Certain qualifications apply.
Des Moines Debt Consolidation Loan Rates
Des Moines Signature Loan Rates
No additional details available.
No additional details available.
As Low As;*
Des Moines, IA Personal Loan Rate Trends
Compare local Des Moines, IA 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.
Iowa personal loan rates rose 0.050 points over the past 7 days to 11.356% APR.
Iowa signature loan rates currently average 11.627% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Des Moines, Iowa 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 Des Moines, Iowa 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 Des Moines, Iowa. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in IA.
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 Iowa?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Iowa?
Are credit unions or banks better for personal loans in Des Moines, Iowa?
What are the best personal loan rates in Des Moines, Iowa?
- Community Choice Credit Union Johnston, IA: 4.52% (2024 Loan)
- Journey Credit Union: 4.94% (2024 & Newer Loan)
- Midwest Heritage Bank: 5.58% (2022 or Newer Loan)
- First Class Community Credit Union: 7.25% (2025 or Newer Loan)
- Collins Community Credit Union: 8.50% (Credit Builder Loan)
Personal Loan Calculators
