Roseland, Kansas Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Roseland, Kansas personal loan rates from lenders serving Kansas range from 6.99% to 18.00% APR, verified by MonitorBankRates as of October 12, 2026. Current personal loan options available to borrowers in Roseland, Kansas include: CommunityAmerica Credit Union offering Personal Loan at 6.99% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Personal Loan at 6.99% APR, KC FAIRFAXKC FAIRFAXA+5.0 ★Texas Ratio: 4.71% offering Signature Loans at 7.00% APR, Bell Credit UnionBell Credit UnionB+4.7 ★Texas Ratio: 18.69% offering Signature and/or Miscellaneous Collateral Loan at 7.75% APR, and Quantum Credit UnionQuantum Credit UnionA+5.0 ★Texas Ratio: 2.61% offering Signature Loans at 7.99% APR. Personal loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Roseland borrowers have access to 51 lenders serving the Kansas area, with personal loan rates as low as 6.99% APR from CommunityAmerica Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 Roseland, Kansas.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Roseland, 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: October 12, 2026
Roseland Personal Loan Rates
As Low As; Loan Amount: $10,000.00 - $250,000.00
- Oct 10, 20266.99%▼ from 11.74%
- Sep 14, 202611.74%first recorded
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
As Low As
Additional APR listed for this product: 13.25%, 14.75%, 17.75%.
As low as***
As Low As; Rates are subject to change at any time
No additional details available.
No additional details available.
up to $500; Tier A
Credit Rating: 1
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
As low as***
As Low As; Loan Amount: $10,000.00 - $100,000.00
- Oct 10, 20268.99%▼ from 11.74%
- Sep 14, 202611.74%first recorded
No additional details available.
As Low As; Rates stated as annual percentage rates; actual rates determined by credit worthiness and collateral
As Low As; Rates are subject to change at any time
Rates designed for you starting at
Credit Rating: 1
Published APR range: 9.39% - 17.99%.
up to $500; Tier B
No additional details available.
No additional details available.
As low as; **
As Low As
APR Annual Percentage Rates to be determined based on loan amount, term and fees. Example: $3,000 @ 9.75 for 36 months is an estimated monthly payment of $96.43. Effective date 1-2-2025.
As Low As
No additional details available.
- Oct 9, 20269.95%▲ from 9.80%
- Sep 14, 20269.80%first recorded
Up to $7,500.00 depending on your credit qualification.
As Low As
As low as***
No additional details available.
As Low As; Rates are subject to change at any time
Ex: $6,000 @ 10% for 36 months = $194.
Credit Rating: 1
No additional details available.
up to $500; Tier C
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
Published APR range: As Low As 10.90%. As Low As
Credit Rating: 1
As Low As
- Sep 21, 202610.99%▲ from 9.99%
- Sep 14, 20269.99%first recorded
As Low As; for qualified applicants
As low as***
Credit Score: A - 750 & higher; Loan Rates effective December 2024
As Low As; $3,000 minimum
- Sep 29, 202611.00%▲ from 10.75%
- Sep 14, 202610.75%first recorded
Limit: $5,000.00
As Low As
No additional details available.
- Oct 9, 202611.45%▲ from 11.30%
- Sep 14, 202611.30%first recorded
As Low As; $3,000 minimum
- Sep 29, 202611.50%▲ from 11.25%
- Sep 14, 202611.25%first recorded
up to $500; Tier D
No additional details available.
No additional details available.
Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00
Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00
No additional details available.
No additional details available.
As low as***
As Low As
As Low As; $10,000 minimum
- Sep 29, 202612.00%▲ from 11.75%
- Sep 14, 202611.75%first recorded
Amount: $1,200.00 to $1,999.00
No additional details available.
Limit: $4,500.00
Rates as low as
The monthly payment schedule plan for a financed amount of $10,000 includes: 35 payments of $334.45, 1 payment of $334.36
- Oct 9, 202612.15%▲ from 11.90%
- Sep 18, 202611.90%first recorded
No additional details available.
- Oct 9, 202612.45%▲ from 12.30%
- Sep 14, 202612.30%first recorded
Credit Score: B - 700 - 749; Loan Rates effective December 2024
Borrow between $500 and $7,500 with Personal Loans starting at 12.50% APR*. Click here to apply.
No additional details available.
- Sep 18, 202612.50%▲ from 12.25%
- Sep 14, 202612.25%first recorded
As Low As
Up to $5,000; As Low As; Loan amount: Up to $5,000
$5,000; As Low As; Loan amount: $5,000 to $10,000
*$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)
Limit: $3,000.00
As low as
The monthly payment schedule plan for a financed amount of $10,000 includes: 47 payments of $270.42, 1 payment of $270.23
- Oct 9, 202613.15%▲ from 12.90%
- Sep 18, 202612.90%first recorded
No additional details available.
Credit Grade: B
As Low As; Other Loans; Maximum Term: up to 60 months
- Oct 4, 202613.35%▲ from 12.85%
- Sep 14, 202612.85%first recorded
Credit Rating: 2
No additional details available.
Amount: $1,501.00 to $3,000.00
No additional details available.
Limit: $1,500.00
The monthly payment schedule plan for a financed amount of $10,000 includes: 59 payments of $234.77, 1 payment of $234.72
- Oct 9, 202614.15%▲ from 13.90%
- Sep 18, 202613.90%first recorded
Credit Score: C - 650 - 699; Loan Rates effective December 2024
Credit Rating: 2
No additional details available.
Credit Grade: C
Amount: $1,001.00 to $1,500.00
Limit: $1,000.00
Limit: $500.00
As Low As*; Best Rate
As Low As*; Best Rate
As Low As*; Best Rate
Credit Rating: 2
Additional APR listed for this product: 17.50%.
Credit Score: D - 600 - 649; Loan Rates effective December 2024
The monthly payment schedule plan for a financed amount of $10,000 includes: 71 payments of $219.15, 1 payment of $218.53
- Oct 9, 202616.15%▲ from 15.90%
- Sep 18, 202615.90%first recorded
As low as
Credit Rating: 2
Competitive rate and terms. Rate discount for automatic payments. Debt Cancellation Coverage available for qualified borrowers. Maximum term is 36 months and payment is auto debit.
- Sep 27, 202616.75%▲ from 14.99%
- Sep 15, 202614.99%first recorded
Credit Rating: 3
Credit Grade: D
Amount: $500.00 to $1,000.00
Roseland Personal Loan Rates
As Low As; Loan Amount: $10,000.00 - $250,000.00
- Oct 10, 20266.99%▼ from 11.74%
- Sep 14, 202611.74%first recorded
As Low As
- Oct 10, 20266.99%▼ from 7.49%
- Sep 14, 20267.49%first recorded
Credit Rating: 1
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
As Low As; Loan Amount: $10,000.00 - $100,000.00
- Oct 10, 20268.99%▼ from 11.74%
- Sep 14, 202611.74%first recorded
Rates designed for you starting at
Credit Rating: 1
As Low As
Up to $7,500.00 depending on your credit qualification.
As Low As
Credit Rating: 1
Rates as of Oct 09, 2026 ET. Personal Loan rates range from 8.74% to 18.00% APR. Payment Example: A loan amount of $5,000 for 36 months has a payment range from $159 to $183 and finance charge range from $742 to $1,598.
Credit Rating: 1
No additional details available.
Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00
Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00
No additional details available.
As Low As
Borrow between $500 and $7,500 with Personal Loans starting at 12.50% APR*. Click here to apply.
Credit Rating: 2
No additional details available.
Credit Rating: 2
As Low As*; Best Rate
As Low As*; Best Rate
As Low As*; Best Rate
Credit Rating: 2
As low as
Credit Rating: 2
Credit Rating: 3
Roseland Debt Consolidation Loan Rates
Roseland Signature Loan Rates
As Low As
Additional APR listed for this product: 13.25%, 14.75%, 17.75%.
As low as***
As Low As; Rates are subject to change at any time
No additional details available.
No additional details available.
up to $500; Tier A
As low as***
No additional details available.
As Low As; Rates are subject to change at any time
up to $500; Tier B
No additional details available.
No additional details available.
As low as; **
As Low As
APR Annual Percentage Rates to be determined based on loan amount, term and fees. Example: $3,000 @ 9.75 for 36 months is an estimated monthly payment of $96.43. Effective date 1-2-2025.
No additional details available.
- Oct 9, 20269.95%▲ from 9.80%
- Sep 14, 20269.80%first recorded
As low as***
No additional details available.
As Low As; Rates are subject to change at any time
Ex: $6,000 @ 10% for 36 months = $194.
No additional details available.
up to $500; Tier C
As Low As; for qualified applicants
As low as***
Credit Score: A - 750 & higher; Loan Rates effective December 2024
As Low As; $3,000 minimum
- Sep 29, 202611.00%▲ from 10.75%
- Sep 14, 202610.75%first recorded
As Low As
No additional details available.
- Oct 9, 202611.45%▲ from 11.30%
- Sep 14, 202611.30%first recorded
As Low As; $3,000 minimum
- Sep 29, 202611.50%▲ from 11.25%
- Sep 14, 202611.25%first recorded
up to $500; Tier D
No additional details available.
No additional details available.
As low as***
As Low As; $10,000 minimum
- Sep 29, 202612.00%▲ from 11.75%
- Sep 14, 202611.75%first recorded
Amount: $1,200.00 to $1,999.00
No additional details available.
The monthly payment schedule plan for a financed amount of $10,000 includes: 35 payments of $334.45, 1 payment of $334.36
- Oct 9, 202612.15%▲ from 11.90%
- Sep 18, 202611.90%first recorded
No additional details available.
- Oct 9, 202612.45%▲ from 12.30%
- Sep 14, 202612.30%first recorded
Credit Score: B - 700 - 749; Loan Rates effective December 2024
As Low As
Up to $5,000; As Low As; Loan amount: Up to $5,000
$5,000; As Low As; Loan amount: $5,000 to $10,000
*$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
The monthly payment schedule plan for a financed amount of $10,000 includes: 47 payments of $270.42, 1 payment of $270.23
- Oct 9, 202613.15%▲ from 12.90%
- Sep 18, 202612.90%first recorded
No additional details available.
Credit Grade: B
As Low As; Other Loans; Maximum Term: up to 60 months
- Oct 4, 202613.35%▲ from 12.85%
- Sep 14, 202612.85%first recorded
No additional details available.
Amount: $1,501.00 to $3,000.00
The monthly payment schedule plan for a financed amount of $10,000 includes: 59 payments of $234.77, 1 payment of $234.72
- Oct 9, 202614.15%▲ from 13.90%
- Sep 18, 202613.90%first recorded
Credit Score: C - 650 - 699; Loan Rates effective December 2024
No additional details available.
Credit Grade: C
Amount: $1,001.00 to $1,500.00
Additional APR listed for this product: 17.50%.
Credit Score: D - 600 - 649; Loan Rates effective December 2024
The monthly payment schedule plan for a financed amount of $10,000 includes: 71 payments of $219.15, 1 payment of $218.53
- Oct 9, 202616.15%▲ from 15.90%
- Sep 18, 202615.90%first recorded
Credit Grade: D
Amount: $500.00 to $1,000.00
Roseland, KS Personal Loan Rate Trends
Compare local Roseland, 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 fell 0.143 points over the past 7 days to 11.269% APR.
Kansas signature loan rates fell 0.014 points over the past 7 days to 11.197% APR.
Roseland, KS Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Kansas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current KS average personal loan APR of 11.27%, across the terms lenders serving Roseland, 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 | $233.66/mo | $164.33/mo | $129.88/mo | $109.38/mo |
| $10,000 | $467.33/mo | $328.66/mo | $259.76/mo | $218.77/mo |
| $15,000 | $700.99/mo | $492.99/mo | $389.64/mo | $328.15/mo |
| $25,000 | $1,168.31/mo | $821.65/mo | $649.40/mo | $546.91/mo |
| $35,000 | $1,635.64/mo | $1,150.31/mo | $909.16/mo | $765.68/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 Roseland, 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) | 11.27% | $389.64 | $3,703 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,447 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $3,982 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,574 |
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.
How to Get the Best Personal Loan Rate in Roseland, Kansas
Prequalify With a Soft Credit Check
Most lenders serving Roseland, 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 Roseland, 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 Roseland, Kansas high-yield savings account costs nothing and earns interest instead of paying it
Kansas Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $390 monthly loan payment is roughly 10.9% of the median individual income in 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 Roseland, 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 to 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 to 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 Roseland, 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 Roseland, 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 Roseland, 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.
Personal Loans for Bad Credit in Roseland, Kansas
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
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 Roseland, 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?
Can I get a personal loan with bad credit in Roseland, Kansas?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in Roseland, Kansas?
- CommunityAmerica Credit Union: 6.99% (Personal Loan)
- Baxter Credit Union: 6.99% (Personal Loan)
- KC FAIRFAX: 7.00% (Signature Loans)
- Bell Credit Union: 7.75% (Signature and/or Miscellaneous Collateral Loan)
- Quantum Credit Union: 7.99% (Signature Loans)
Roseland, Kansas Rates & Resources
Personal Loan Calculators
