Best Personal Loan Rates in Lawrence, 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 Lawrence, Kansas include: Mainstreet Federal Credit UnionMainstreet Federal Credit Union1001 E 23rd St, Lawrence, KS, 66046 5003A+5.0 ★Texas Ratio: 1.71% offering New Loan at 6.49% APR, Midwest Regional Credit UnionMidwest Regional Credit Union1016 W 6th ST, LAWRENCE, KS, 66044 2213A+5.0 ★Texas Ratio: 2.40% offering Credit Builder Loans at 8.00% APR, Meritrust Federal Credit UnionMeritrust Federal Credit Union650 Congressional Dr, Lawrence, KS, 66049 4869A+5.0 ★Texas Ratio: 4.42% offering Signature Loan at 10.50% APR, Mid American Credit UnionMid American Credit Union550 N Wakarusa Dr, Lawrence, KS, 66049A+5.0 ★Texas Ratio: 4.68% offering Unsecured Loan at 10.90% APR, and Premier Members Credit UnionPremier Members Credit Union650 Congressional Dr, Lawrence, KS, 66049A+5.0 ★Texas Ratio: 4.43% offering Signature Loan at 11.90% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Lawrence has 6 local institutions in our database, with personal loan rates as low as 6.49% APR from Mainstreet Federal Credit Union at 1001 E 23rd St, Lawrence, KS, 66046 5003. 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 Lawrence, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lawrence, 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
Lawrence 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; 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.
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As Low As; 100% financing with qualified credit
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As Low As; 100% financing with qualified credit
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Borrow between $500 and $7,500. Click here to apply.
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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
Fixed Rate; ***
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No additional details available.
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
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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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APR* (as low as)
Rates as low as...
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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
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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%
Credit Rating 1
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.
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APR* (as low as)
LTV: up to 75%
Credit Rating 1
No additional details available.
up to $500; Tier B
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Loan Amount: $10,000
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Fixed Rate; As Low As; *
LTV: up to 85%
As Low As
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APR* Purchases
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Credit Rating 1
up to $500; Tier C
Fixed Rate; ***
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.
No additional details available.
As Low As
Rates as low as...
Credit Score: A - 750 & higher
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.
As Low As
Credit Score: B - 700 - 749
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As Low As
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As Low As
$5,000; As Low As; *APR
Up to $5,000; As Low As; *APR
Fixed
Credit Rating 2
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Credit Rating 2
Credit Score: C - 650 - 699
APR* Purchases
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Credit Rating 2
Rate Type: Variable
Credit Score: D - 600 - 649
As Low As
Credit Rating 2
Credit Rating 3
Credit Rating 3
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Lawrence Personal Loan Rates
Borrow between $500 and $7,500. Click here to apply.
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As Low As; *must qualify for rate
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Lawrence Debt Consolidation Loan Rates
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Lawrence 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
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
Rates as low as...
Credit Score: A - 750 & higher
up to $500; Tier D
No additional details available.
As Low As
Credit Score: B - 700 - 749
As Low As
No additional details available.
As Low As
$5,000; As Low As; *APR
Up to $5,000; As Low As; *APR
Fixed
As Low As
No additional details available.
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No additional details available.
Credit Score: C - 650 - 699
No additional details available.
Credit Score: D - 600 - 649
No additional details available.
Lawrence, KS Personal Loan Rate Trends
Compare local Lawrence, 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 Lawrence, 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 Lawrence, 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 Lawrence, 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 Lawrence, Kansas?
What are the best personal loan rates in Lawrence, Kansas?
- Mainstreet Federal Credit Union: 6.49% (New Loan)
- Midwest Regional Credit Union: 8.00% (Credit Builder Loans)
- Meritrust Federal Credit Union: 10.50% (Signature Loan)
- Mid American Credit Union: 10.90% (Unsecured Loan)
- Premier Members Credit Union: 11.90% (Signature Loan)
Personal Loan Calculators
