Lyons, Kansas Best Personal Loan Rates - August 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 Lyons, Kansas include: County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 3.60% offering Signature (Personal) Loan at 4.99% APR, KC FAIRFAXKC FAIRFAXA+5.0 ★Texas Ratio: 5.26% offering Signature Loans at 7.00% APR, Panhandle Federal Credit UnionPanhandle Federal Credit UnionA+5.0 ★Texas Ratio: 0.78% offering Signature Loan at 7.49% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Personal Loan at 7.49% APR, and Bell Credit UnionBell Credit UnionA5.0 ★Texas Ratio: 11.72% offering Signature and/or Miscellaneous Collateral Loan at 7.75% APR. Personal loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Lyons borrowers have access to 51 lenders serving the Kansas area, with personal loan rates as low as 4.99% APR from County Credit Union. 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 Lyons, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lyons, 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: August 28, 2026
Lyons Personal Loan Rates
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max. term 2 years
As Low As
Personal Loan
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up to $500
$501 - $1500
$1501 -$7500
Credit Rating: 1
max. term 2 years
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Rates designed for you starting at
Credit Rating: 1
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up to $500
$501 - $1500
$1501 -$7500
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Ex: $6,000 @ 10% for 36 months = $194.
Rates will range from 10% APR up to 18% APR (Annual Percentage Rate). Unsecured loans up to $8000.00 depending on your credit score. If your credit score is below 600 the rate increases by 3%. If a discharged bankruptcy is on an individuals credit report 4% is added.
Credit Rating: 1
max. term 2 years
up to $500
$501 - $1500
$1501 -$7500
As Low As
As Low As
Credit Rating: 1
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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No additional details available.
Credit Score: A - 750 & higher
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Credit Score: A 750 & higher; Limit: $5,000.00
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up to $500
$501 - $1500
$1501 -$7500
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Credit Score: B 700 - 749; Limit: $4,500.00
Rates as low as
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Credit Score: B - 700 - 749
Borrow between $500 and $7,500. Click here to apply.
As Low As
As Low As
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*$7,500.00 maximum amount available after 18 months of B&V permanent employment or B&V Credit Union membership. (pro-rated for less than 18 months of B&V permanent employment or B&V Credit Union membership)
Credit Score: C 650 - 699; Limit: $3,000.00
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max. term 2 years
Credit Rating: 2
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Credit Score: D 600 - 649; Limit: $1,500.00
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Credit Score: C - 650 - 699
Credit Rating: 2
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Rate discount for automatic payments
max. term 2 years
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Credit Score: E 550 - 599; Limit: $1,000.00
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Credit Rating: 2
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Credit Score: D - 600 - 649
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Credit Rating: 2
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Credit Rating: 3
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Lyons Personal Loan Rates
As Low As
Personal Loan
Credit Rating: 1
Rates designed for you starting at
Credit Rating: 1
No additional details available.
Rates as low as
Credit Rating: 1
Credit Rating: 1
No additional details available.
No additional details available.
As Low As
Borrow between $500 and $7,500. Click here to apply.
Credit Rating: 2
No additional details available.
Credit Rating: 2
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Credit Rating: 2
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Credit Rating: 2
Credit Rating: 3
Lyons Debt Consolidation Loan Rates
Lyons Signature Loan Rates
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max. term 2 years
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up to $500
$501 - $1500
$1501 -$7500
max. term 2 years
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up to $500
$501 - $1500
$1501 -$7500
No additional details available.
As Low As
As Low As
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No additional details available.
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As Low As
Ex: $6,000 @ 10% for 36 months = $194.
max. term 2 years
up to $500
$501 - $1500
$1501 -$7500
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.
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No additional details available.
Credit Score: A - 750 & higher
As Low As
As Low As
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up to $500
$501 - $1500
$1501 -$7500
No additional details available.
As Low As
No additional details available.
***
No additional details available.
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As Low As
As Low As
Credit Score: B - 700 - 749
As Low As
As Low As
No additional details available.
*$7,500.00 maximum amount available after 18 months of B&V permanent employment or B&V Credit Union membership. (pro-rated for less than 18 months of B&V permanent employment or B&V Credit Union membership)
As low as
No additional details available.
No additional details available.
max. term 2 years
As Low As
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Credit Score: C - 650 - 699
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max. term 2 years
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Credit Score: D - 600 - 649
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Lyons, KS Personal Loan Rate Trends
Compare local Lyons, 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 0.277 points over the past 7 days to 13.192% APR.
Kansas signature loan rates fell 0.160 points over the past 7 days to 11.818% APR.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current KS average personal loan APR of 13.19%, across the terms lenders serving Lyons, Kansas most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $238.16/mo | $168.93/mo | $134.61/mo | $114.26/mo |
| $10,000 | $476.32/mo | $337.87/mo | $269.23/mo | $228.52/mo |
| $15,000 | $714.48/mo | $506.80/mo | $403.84/mo | $342.77/mo |
| $25,000 | $1,190.80/mo | $844.66/mo | $673.07/mo | $571.29/mo |
| $35,000 | $1,667.12/mo | $1,182.53/mo | $942.30/mo | $799.80/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Lyons, Kansas
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the KS personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan — KS average | 13.19% | $403.84 | $4,385 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $1,765 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,300 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $4,892 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average — check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
About Our Lyons, Kansas Personal Loan Rate Database
Our Lyons, Kansas tables currently track 51 banks and credit unions offering personal, debt consolidation, and signature loans to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified personal loan APR in our Lyons, Kansas database right now is 4.99% APR from County Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
How to Get the Best Personal Loan Rate in Lyons, Kansas
Prequalify With a Soft Credit Check
Most lenders serving Lyons, Kansas will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying — the advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Kansas data, and many charge no origination fee. Membership is usually easier than expected — many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle → a secured Lyons, Kansas auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity → compare home equity rates, though your home becomes collateral
- Not urgent → building the money in a Lyons, Kansas high-yield savings account costs nothing and earns interest instead of paying it
Lyons, Kansas Financial Snapshot
Local demographics and economic context for borrowers — Source: U.S. Census Bureau
A $404 monthly loan payment is roughly 10.7% of the median individual income in Lyons, Kansas. Lenders generally want your total monthly debt payments — including housing — to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Lyons, Kansas.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid — fixed | ✗ Highest — variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks — appraisal and closing |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt — missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current KS average — or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds — you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lyons, 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 Lyons, 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 Lyons, 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 Lyons, Kansas?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Lyons, Kansas?
- County Credit Union: 4.99% (Signature (Personal) Loan)
- KC FAIRFAX: 7.00% (Signature Loans)
- Panhandle Federal Credit Union: 7.49% (Signature Loan)
- Baxter Credit Union: 7.49% (Personal Loan)
- Bell Credit Union: 7.75% (Signature and/or Miscellaneous Collateral Loan)
Lyons, Kansas Rates & Resources
Personal Loan Calculators
