Best Personal Loan Rates in Derby, Kansas - 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 Derby, Kansas include: The Valley State BankThe Valley State Bank330 E Madison Ave, Derby, KS, 67037A+5.0 ★Texas Ratio: 3.63% offering 2022 and Newer Loan at 6.01% APR, Meritrust Federal Credit UnionMeritrust Federal Credit Union1615 N Rock Rd, Derby, KS, 67037A+5.0 ★Texas Ratio: 4.42% offering Signature Loan at 10.50% APR, Premier Members Credit UnionPremier Members Credit Union1615 N Rock Rd, Derby, KS, 67037A+5.0 ★Texas Ratio: 4.43% offering Signature Loan at 11.90% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, and Emporia State Federal Credit UnionEmporia State Federal Credit UnionA+5.0 ★Texas Ratio: 4.76% offering 2021 - 2026 Models Loan at 4.50% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Derby has 3 local institutions in our database, with personal loan rates as low as 6.01% APR from The Valley State Bank at 330 E Madison Ave, Derby, KS, 67037. 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 Derby, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Derby, Kansas. 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 29, 2026
Derby Personal Loan Rates
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As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
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As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
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As Low As; Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
APR* as low as 4.99% with AutoPay; Automatic payment (AutoPay) discount available
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Loan Amount: $25,000
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Fixed
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over $40,000; As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
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Loan Amount: $20,000
As Low As; 100% financing with qualified credit
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As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
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As Low As; 100% financing with qualified credit
Rates as low as...
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Rate subject to change quarterly
As Low As; 100% financing with qualified credit
Loan amount: $1,000 at 8% for 12 months Funds secured in a 12-month CD at MRCU Credit review with improvement tips Loan payoff leads to $1,000 CD + Dividends Set up an appointment with a loan officer once this loan is paid in full to review an updated credit report.
As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
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Base 8.25%; 0.00% adjustment for Credit Score C - 650 - 699
As Low As; 100% financing with qualified credit
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As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
APR* (as low as)
LTV: up to 75%
Credit Rating 1
Loan Amount: $15,000
No additional details available.
As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
No additional details available.
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LTV: up to 75%
No additional details available.
Credit Rating 1
No additional details available.
As Low As; 100% financing with qualified credit
up to $500; Tier B
Loan Amount: $10,000
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Fixed Rate; As Low As; *
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LTV: up to 85%
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APR* Purchases
Credit Rating 1
up to $500; Tier C
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As Low As; *must qualify for rate
As Low As; multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
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Rates as low as...
Credit Score: A - 750 & higher
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up to $500; Tier D
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Credit Rating 1
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As Low As; Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval.
Borrow between $500 and $7,500. Click here to apply.
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Credit Score: B - 700 - 749
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Up to $5,000; As Low As; *APR
$5,000; As Low As; *APR
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Fixed
Credit Rating 2
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Credit Rating 2
Credit Score: C - 650 - 699
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APR* Purchases
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Credit Rating 2
Rate Type: Variable
Credit Score: D - 600 - 649
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Credit Rating 2
Credit Rating 3
Credit Rating 3
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Derby Personal Loan Rates
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As Low As; *must qualify for rate
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Borrow between $500 and $7,500. Click here to apply.
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Derby Debt Consolidation Loan Rates
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Derby Signature Loan Rates
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up to $500; Tier B
Fixed Rate; As Low As; *
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up to $500; Tier C
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As Low As; multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
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Rates as low as...
Credit Score: A - 750 & higher
As Low As
up to $500; Tier D
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Credit Score: B - 700 - 749
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Up to $5,000; As Low As; *APR
$5,000; As Low As; *APR
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Fixed
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Credit Score: C - 650 - 699
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Credit Score: D - 600 - 649
No additional details available.
Derby, KS Personal Loan Rate Trends
Compare local Derby, KS 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.
Kansas personal loan rates currently average 13.037% APR.
Kansas signature loan rates rose 0.025 points over the past 7 days to 12.077% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Derby, Kansas 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 Derby, Kansas 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 Derby, Kansas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in KS.
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 Kansas?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Kansas?
Are credit unions or banks better for personal loans in Derby, Kansas?
What are the best personal loan rates in Derby, Kansas?
- The Valley State Bank: 6.01% (2022 and Newer Loan)
- Meritrust Federal Credit Union: 10.50% (Signature Loan)
- Premier Members Credit Union: 11.90% (Signature Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Emporia State Federal Credit Union: 4.50% (2021 - 2026 Models Loan)
Personal Loan Calculators
