Best Personal Loan Rates in Lawrence, Kansas (KS) - May 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: Midwest Regional Credit UnionMidwest Regional Credit Union1016 W 6th ST, LAWRENCE, KS, 66044 2213A+5.0 ★Texas Ratio: 2.52% 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: 4.67% offering Signature Loan at 10.50% APR, Mainstreet Federal Credit UnionMainstreet Federal Credit Union1001 E 23rd St, Lawrence, KS, 66046 5003A+5.0 ★Texas Ratio: 1.79% offering Signature/Personal Loans Signature at 10.75% APR, Mid American Credit UnionMid American Credit Union550 N Wakarusa Dr, Lawrence, KS, 66049A+5.0 ★Texas Ratio: 5.01% offering Signature Loans Unsecured at 10.90% APR, and Envista Federal Credit UnionEnvista Federal Credit Union1555 Wakarusa Dr, Lawrence, KS, 66047 1803A+5.0 ★Texas Ratio: 2.83% offering Personal Loan at 15.07% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Lawrence has 5 local institutions in our database, with personal loan rates as low as 8.00% APR from Midwest Regional Credit Union at 1016 W 6th ST, LAWRENCE, KS, 66044 2213. 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: May 12, 2026
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
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As Low As; Up to 36 months
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As Low As; Borrow between $500 and $7,500 with Personal Loans starting at 12.50% APR*.
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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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This promo 'runs away' July 31, 2026.
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up to $500
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up to $500
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As Low As; Rate based on creditworthiness and term of loan.
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LIMIT - $1,000.00
LIMIT - $1,000.00
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up to $500
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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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Credit Score: A - 750 & higher
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Credit Score 750 & higher
up to $500
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Credit Score 700 - 749
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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As Low As; Fixed
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Credit Score: B - 700 - 749
Over $1000; As Low As
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Credit Score 650 - 699
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$5,000; As Low As
Up to $5,000; As Low As
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"B" APR
Up to $1000; As Low As
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Loan Amount: $7,500
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Credit Score 600 - 649
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Credit Score: C - 650 - 699
No additional details available.
"C" APR
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Credit Score 550 - 599
No Score
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Credit Score: D - 600 - 649
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"D" APR
No additional details available.
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As Low As; Up to 36 months
As Low As; Up to 48 months
As Low As; Up to 60 months
As Low As; Borrow between $500 and $7,500 with Personal Loans starting at 12.50% APR*.
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As Low As; Rate based on creditworthiness and term of loan.
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As Low As; Up to 36 months
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As Low As; Up to 48 months
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As Low As; Up to 60 months
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"A" APR
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up to $500
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up to $500
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up to $500
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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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Credit Score: A - 750 & higher
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up to $500
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Credit Score: B - 700 - 749
Over $1000; As Low As
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$5,000; As Low As
Up to $5,000; As Low As
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"B" APR
Up to $1000; As Low As
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Credit Score: C - 650 - 699
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"C" APR
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Credit Score: D - 600 - 649
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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 rose 0.009 points over the past 7 days to 13.391% APR.
Kansas signature loan rates fell 0.263 points over the past 7 days to 11.551% APR.
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?
- Midwest Regional Credit Union: 8.00% (Credit Builder Loans)
- Meritrust Federal Credit Union: 10.50% (Signature Loan)
- Mainstreet Federal Credit Union: 10.75% (Signature/Personal Loans Signature)
- Mid American Credit Union: 10.90% (Signature Loans Unsecured)
- Envista Federal Credit Union: 15.07% (Personal Loan)
Personal Loan Calculators
