Best Personal Loan Rates in Kansas City, Kansas - July 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 Kansas City, Kansas include: Mainstreet Federal Credit UnionMainstreet Federal Credit Union8245 State Ave, Kansas City, KS, 66112A+5.0 ★Texas Ratio: 1.71% offering New Loan at 6.49% APR, KC FAIRFAXKC FAIRFAX104 Sunshine Rd, Kansas City, KS, 66115 1314A+5.0 ★Texas Ratio: 5.26% offering Signature Loans at 7.00% APR, Midwest Regional Credit UnionMidwest Regional Credit Union7240 STATE AVE, KANSAS CITY, KS, 66112A+5.0 ★Texas Ratio: 2.40% offering Credit Builder Loans at 8.00% APR, KUMC Credit UnionKUMC Credit Union3901 Rainbow Blvd, Kansas City, KS, 66160A+5.0 ★Texas Ratio: 0.08% offering Personal 12 months Loan at 8.65% APR, and KC Area Credit UnionKC Area Credit Union1401 Fairfax Trfy Ste 100E, Kansas City, KS, 66115 1415A+5.0 ★Texas Ratio: 1.86% offering Personal Loan at 10.99% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Kansas City has 6 local institutions in our database, with personal loan rates as low as 6.49% APR from Mainstreet Federal Credit Union at 8245 State Ave, Kansas City, KS, 66112. 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 Kansas City, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Kansas City, 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
Kansas City Personal Loan Rates
As Low As; 100% financing with qualified credit
As Low As; 100% financing with qualified credit
As Low As; 100% financing with qualified credit
As Low As
As Low As; 100% financing with qualified credit
No additional details available.
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.
No additional details available.
No additional details available.
As Low As; 100% financing with qualified credit
Credit Rating 1
No additional details available.
No additional details available.
Credit Rating 1
As Low As; 100% financing with qualified credit
No additional details available.
Credit Rating 1
As Low As
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.
As Low As
As Low As
Credit Rating 1
Borrow between $500 and $7,500. Click here to apply.
Credit Rating 2
As Low As
No additional details available.
No additional details available.
Credit Rating 2
Credit Rating 2
Credit Rating 2
Credit Rating 3
Credit Rating 3
No additional details available.
As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
APR* (as low as)
As Low As
As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
As Low As
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
APR* (as low as)
Loan Amount: $25,000
As Low As
Fixed
Fixed Rate; ***
APR* (as low as)
No additional details available.
over $40,000; As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
APR* (as low as)
Loan Amount: $20,000
No additional details available.
As Low As
As Low As
No additional details available.
As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
As Low As
APR* (as low as)
Rates as low as...
APR* (as low as)
APR* (as low as)
Fixed Rate; ***
Rate subject to change quarterly
As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
As Low As
Base 8.25%; 0.00% adjustment for Credit Score C - 650 - 699
As Low As
As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
No additional details available.
APR* (as low as)
LTV: up to 75%
Loan Amount: $15,000
As Low As; APR is a maximum rate and may vary based on creditworthiness and other factors.
No additional details available.
As Low As
APR* (as low as)
LTV: up to 75%
No additional details available.
Loan Amount: $10,000
As Low As
up to $500; Tier B
Fixed Rate; As Low As; *
As Low As; **
LTV: up to 85%
As Low As
No additional details available.
As Low As
No additional details available.
APR* Purchases
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
up to $500; Tier C
Fixed Rate; ***
As Low As
No additional details available.
Credit Score: A - 750 & higher
Rates as low as...
As Low As
No additional details available.
up to $500; Tier D
No additional details available.
No additional details available.
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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.
No additional details available.
As Low As
Credit Score: B - 700 - 749
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
Up to $5,000; As Low As; *APR
$5,000; As Low As; *APR
No additional details available.
Fixed
As Low As
No additional details available.
No additional details available.
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No additional details available.
Credit Score: C - 650 - 699
No additional details available.
APR* Purchases
No additional details available.
As Low As
As Low As
As Low As
Rate Type: Variable
No additional details available.
Credit Score: D - 600 - 649
As Low As
No additional details available.
Kansas City Personal Loan Rates
As Low As; *must qualify for rate
Borrow between $500 and $7,500. Click here to apply.
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
Kansas City Debt Consolidation Loan Rates
No additional details available.
Kansas City Signature Loan Rates
As Low As
As Low As
As Low As; multiple factors determine interest rate, loan limit and term: those factors include applicant's credit score and debt to income ratio.
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As
up to $500; Tier B
Fixed Rate; As Low As; *
As Low As; **
As Low As
As Low As
As Low As
No additional details available.
up to $500; Tier C
As Low As
Rates as low as...
Credit Score: A - 750 & higher
up to $500; Tier D
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Credit Score: B - 700 - 749
As Low As
No additional details available.
As Low As
Up to $5,000; As Low As; *APR
$5,000; As Low As; *APR
No additional details available.
Fixed
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Credit Score: C - 650 - 699
No additional details available.
No additional details available.
Credit Score: D - 600 - 649
No additional details available.
Kansas City, KS Personal Loan Rate Trends
Compare local Kansas City, 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 0.009 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 Kansas City, 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 Kansas City, 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 Kansas City, 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 Kansas City, Kansas?
What are the best personal loan rates in Kansas City, Kansas?
- Mainstreet Federal Credit Union: 6.49% (New Loan)
- KC FAIRFAX: 7.00% (Signature Loans)
- Midwest Regional Credit Union: 8.00% (Credit Builder Loans)
- KUMC Credit Union: 8.65% (Personal 12 months Loan)
- KC Area Credit Union: 10.99% (Personal Loan)
Personal Loan Calculators
