Best Personal Loan Rates in Missouri (MO) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Missouri borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Missouri include: Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO, 63043A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, County Credit UnionCounty Credit Union130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913A+5.0 ★Texas Ratio: 3.78% offering Signature (Personal) at 4.99% APR, Public Safety Credit UnionPublic Safety Credit Union2800 E 14th St, Kansas City, MO, 64127A+5.0 ★Texas Ratio: 1.02% offering Gun Loans at 4.99% APR, MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO, 65101 4428A+5.0 ★Texas Ratio: 0.48% offering Short-term Personal at 5.75% APR, and Great Plains Federal Credit UnionGreat Plains Federal Credit Union120 S GARRISON AVE, CARTHAGE, MO, 64836A+5.0 ★Texas Ratio: 2.27% offering Other Loans at 6.75% APR. Personal loan rates as of May 6, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Missouri side-by-side. Missouri personal loan rates currently start as low as 4.50% APR from Baxter Credit Union at 13655 Riverport Dr, Maryland Heights, MO, 63043. 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 Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Missouri. 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 6, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 7, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 7, 2026
Details
As Low As
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Signature (Personal)
4.99%
▼
APR4.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO, 64127
Gun Loans
4.99%
▼
APR4.99%
Last UpdatedMay 7, 2026
Details
Rates as low as 4.99%
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal
5.75%
▼
APR5.75%
Last UpdatedMay 7, 2026
Details
with credit score 650 or >
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal
6.00%
▼
APR6.00%
Last UpdatedMay 7, 2026
Details
with credit score 650 or >
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal (with credit score 650 or >)
6.00%
▼
APR6.00%
Last UpdatedMay 7, 2026
Details
Rate with Maximum Discount*: 5.75%
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Other Loans
6.75%
▼
APR6.75%
Last UpdatedMay 7, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
Fixture Loans
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
PRIME - Up to 80% loan to value
7.00%
▼
APR7.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
St Louis Policemen`s Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1915 Olive St, Saint Louis, MO, 63103
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Adventure Loans
7.24%
▼
APR7.24%
Last UpdatedMay 7, 2026
Details
As Low As; Apply Today
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Church Loans
7.25%
▼
APR7.25%
Last UpdatedMay 7, 2026
Details
As Low As
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Fixed HE Loan
7.25%
▼
APR7.25%
Last UpdatedMay 7, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Loans
7.50%
▼
APR7.50%
Last UpdatedMay 7, 2026
Details
up to $250,000; No prepayment penalties; Personal guarantees may be waived
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedMay 7, 2026
Details
As Low As
Patriot Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
4343 Telegraph Rd, Saint Louis, MO, 63129 2648
Signature
7.90%
▼
APR7.90%
Last UpdatedMay 7, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO, 64850 3110
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
The Wedding Loan (Signature Loan)
8.25%
▼
APR8.25%
Last UpdatedMay 7, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
1-2 Yr Old Used Loan
8.50%
▼
APR8.50%
Last UpdatedMay 7, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Platinum Personal
8.75%
▼
APR8.75%
Last UpdatedMay 7, 2026
Details
No additional details available.
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Hero Loans
8.99%
▼
APR8.99%
Last UpdatedMay 7, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 7, 2026
Details
As low as
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Vacation/Holiday Loan
9.00%
▼
APR9.00%
Last UpdatedMay 7, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Platinum Personal
9.00%
▼
APR9.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Lutheran Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10733 Sunset Office Dr Ste 406, Saint Louis, MO, 63127 1024
Whatever Loans
9.05%
▼
APR9.05%
Last UpdatedMay 7, 2026
Details
As Low As; Competitive interest rates starting at 8.90% (APRs starting at 9.05%)
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Personal Unsecured Loans
9.14%
▼
APR9.14%
Last UpdatedMay 7, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
3-4 Yr Old Used Loan
9.50%
▼
APR9.50%
Last UpdatedMay 7, 2026
Details
As Low As
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans - Credit Score 740+
9.50%
▼
APR9.50%
Last UpdatedMay 7, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature Or Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 7, 2026
Details
As Low As; APR1: As low as 9.99%
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature/ Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
DebtBuster/No Equity Loan
10.00%
▼
APR10.00%
Last UpdatedMay 7, 2026
Details
5-year payback
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Unsecured Loan
10.00%
▼
APR10.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
Preferred Personal
10.00%
▼
APR10.00%
Last UpdatedMay 7, 2026
Details
As Low As; Max. loan $20,000
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Unsecured
10.00%
▼
APR10.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 7, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Member's Choice (Signature Loan)
10.45%
▼
APR10.45%
Last UpdatedMay 7, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New You Loan
10.45%
▼
APR10.45%
Last UpdatedMay 7, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Signature
10.49%
▼
APR10.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO, 65708
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMay 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 7, 2026
Details
As Low As
Academic Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
Personal
10.50%
▼
APR10.50%
Last UpdatedMay 7, 2026
Details
As Low As; Max. loan $5,000
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal Line-of-Credit
10.66%
▼
APR10.66%
Last UpdatedMay 7, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal
10.75%
▼
APR10.75%
Last UpdatedMay 7, 2026
Details
with credit score of less than 650
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature
10.75%
▼
APR10.75%
Last UpdatedMay 7, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Works For Me Signature Loans
10.99%
▼
APR10.99%
Last UpdatedMay 7, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 7, 2026
Details
As Low As
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3301 Texas Ave, Joplin, MO, 64804
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedMay 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 7, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
5-6 Yr Old Used Loan
11.00%
▼
APR11.00%
Last UpdatedMay 7, 2026
Details
As Low As
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal
11.00%
▼
APR11.00%
Last UpdatedMay 7, 2026
Details
with credit score of less than 650
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Short-term Personal (with credit score of less than 650)
11.00%
▼
APR11.00%
Last UpdatedMay 7, 2026
Details
Rate with Maximum Discount*: 10.75%
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO, 65807
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMay 7, 2026
Details
As Low As; Signature Loan
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Signature
11.00%
▼
APR11.00%
Last UpdatedMay 7, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMay 7, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature
11.25%
▼
APR11.25%
Last UpdatedMay 7, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans - Credit Score 690-739
11.50%
▼
APR11.50%
Last UpdatedMay 7, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedMay 7, 2026
Details
As Low As; Up to 36 mo.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature
11.75%
▼
APR11.75%
Last UpdatedMay 7, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO, 64501 1540
Consumer Loan
11.75%
▼
APR11.75%
Last UpdatedMay 7, 2026
Details
No additional details available.
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
Signature
11.90%
▼
APR11.90%
Last UpdatedMay 7, 2026
Details
As Low As
Central Communications Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
17811 E US Highway 40, Independence, MO, 64055
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 7, 2026
Details
As Low As; Borrow Up To $5000, Up to 36 months
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMay 7, 2026
Details
As Low As
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2800 E 14th St, Kansas City, MO, 64127
Unsecured Loans
12.14%
▼
APR12.14%
Last UpdatedMay 7, 2026
Details
Rates as low as 12.14%
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.24%
▼
APR12.24%
Last UpdatedMay 7, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedMay 7, 2026
Details
As Low As; Apply Today
Educational Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1221 E Grand St, Springfield, MO, 65804
Signature
12.25%
▼
APR12.25%
Last UpdatedMay 7, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO, 64501 1540
Consumer Loan
12.25%
▼
APR12.25%
Last UpdatedMay 7, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Personal Loans
12.49%
▼
APR12.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 7, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMay 7, 2026
Details
As Low As; UP TO $12,000 MAX - NEW LOANS ONLY - REFINANCED LOANS 12.75%
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Personal
12.75%
▼
APR12.75%
Last UpdatedMay 7, 2026
Details
No additional details available.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Refinanced Loans
12.75%
▼
APR12.75%
Last UpdatedMay 7, 2026
Details
No additional details available.
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO, 64501 1540
Consumer Loan
12.75%
▼
APR12.75%
Last UpdatedMay 7, 2026
Details
No additional details available.
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Personal
13.00%
▼
APR13.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
13.00%
▼
APR13.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedMay 7, 2026
Details
from 13.00% APR*
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO, 64055
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedMay 7, 2026
Details
As Low As
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans - Credit Score 650-689
13.50%
▼
APR13.50%
Last UpdatedMay 7, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedMay 7, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
14.00%
▼
APR14.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 7, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
7-10 Yr Old Used Loan
14.50%
▼
APR14.50%
Last UpdatedMay 7, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
14.50%
▼
APR14.50%
Last UpdatedMay 7, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
15.00%
▼
APR15.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans - Credit Score 610-649
15.50%
▼
APR15.50%
Last UpdatedMay 7, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
A short-term alternative to payday loans
18.00%
▼
APR18.00%
Last UpdatedMay 7, 2026
Details
As Low As
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Credit Builder Loan
18.00%
▼
APR18.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
19.00%
▼
APR19.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans - Credit Score 580-609
21.50%
▼
APR21.50%
Last UpdatedMay 7, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
United Credit Union Mexico, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
802 E Breckenridge St, Mexico, MO, 65265
Unsecured Loans - Credit Score 579 & LOWER
23.50%
▼
APR23.50%
Last UpdatedMay 7, 2026
Details
As Low As; VISA Platinum and Lifestyle Loan
Mercy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Emergency Help Loan
28.00%
▼
APR28.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 7, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2975 Gardner Edgewood Dr, Neosho, MO, 64850 3110
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 7, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature Or Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 7, 2026
Details
As Low As; APR1: As low as 9.99%
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature/ Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
West Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMay 7, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 7, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 7, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 7, 2026
Details
As Low As
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Central Communications Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
17811 E US Highway 40, Independence, MO, 64055
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 7, 2026
Details
As Low As; Borrow Up To $5000, Up to 36 months
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
12.00%
▼
APR12.00%
Last UpdatedMay 7, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.24%
▼
APR12.24%
Last UpdatedMay 7, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Personal Loans
12.24%
▼
APR12.24%
Last UpdatedMay 7, 2026
Details
As Low As; Apply Today
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Unsecured Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 7, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Personal Loans
12.49%
▼
APR12.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Neighbors Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Personal Loan
12.49%
▼
APR12.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Personal Loans
12.50%
▼
APR12.50%
Last UpdatedMay 7, 2026
Details
As Low As; UP TO $12,000 MAX - NEW LOANS ONLY - REFINANCED LOANS 12.75%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Personal Loan
14.00%
▼
APR14.00%
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
DebtBuster/No Equity Loan
10.00%
▼
APR10.00%
Last UpdatedMay 7, 2026
Details
5-year payback
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Signature (Personal)
4.99%
▼
APR4.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
St Louis Policemen`s Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1915 Olive St, Saint Louis, MO, 63103
Signature Loan
7.00%
▼
APR7.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loans
7.50%
▼
APR7.50%
Last UpdatedMay 7, 2026
Details
As Low As
Patriot Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
4343 Telegraph Rd, Saint Louis, MO, 63129 2648
Signature
7.90%
▼
APR7.90%
Last UpdatedMay 7, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
The Wedding Loan (Signature Loan)
8.25%
▼
APR8.25%
Last UpdatedMay 7, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 7, 2026
Details
As low as
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature Or Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 7, 2026
Details
As Low As; APR1: As low as 9.99%
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature/ Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 7, 2026
Details
No additional details available.
First Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Member's Choice (Signature Loan)
10.45%
▼
APR10.45%
Last UpdatedMay 7, 2026
Details
As Low As
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Signature
10.49%
▼
APR10.49%
Last UpdatedMay 7, 2026
Details
No additional details available.
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
663 W Highway 60, Monett, MO, 65708
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMay 7, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature
10.75%
▼
APR10.75%
Last UpdatedMay 7, 2026
Details
As Low As
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3301 Texas Ave, Joplin, MO, 64804
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedMay 7, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Works For Me Signature Loans
10.99%
▼
APR10.99%
Last UpdatedMay 7, 2026
Details
As Low As
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1770 W SUNSET ST, SPRINGFIELD, MO, 65807
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedMay 7, 2026
Details
As Low As; Signature Loan
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Signature
11.00%
▼
APR11.00%
Last UpdatedMay 7, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMay 7, 2026
Details
No additional details available.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature
11.25%
▼
APR11.25%
Last UpdatedMay 7, 2026
Details
As Low As
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2130 Jefferson ST Ste A, Kansas City, MO, 64108
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedMay 7, 2026
Details
As Low As; Up to 36 mo.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature
11.75%
▼
APR11.75%
Last UpdatedMay 7, 2026
Details
As Low As
Your Best Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
Signature
11.90%
▼
APR11.90%
Last UpdatedMay 7, 2026
Details
As Low As
Educational Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
1221 E Grand St, Springfield, MO, 65804
Signature
12.25%
▼
APR12.25%
Last UpdatedMay 7, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
13.00%
▼
APR13.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature Loans
13.00%
▼
APR13.00%
Last UpdatedMay 7, 2026
Details
from 13.00% APR*
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1111 E 23rd St S, Independence, MO, 64055
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedMay 7, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
14.00%
▼
APR14.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
14.50%
▼
APR14.50%
Last UpdatedMay 7, 2026
Details
No additional details available.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Signature
15.00%
▼
APR15.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Missouri Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Signature Loans
19.00%
▼
APR19.00%
Last UpdatedMay 7, 2026
Details
No additional details available.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Missouri currently.
Missouri Personal Loan Rate Trends
Compare local Missouri 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.
Personal Loan — MO Avg
12.442%
▼ 0.164 vs 7 days ago
Missouri personal loan rates fell 0.164 points over the past 7 days to 12.442% APR.
Signature Loan — MO Avg
10.143%
▼ 0.106 vs 7 days ago
Missouri signature loan rates fell 0.106 points over the past 7 days to 10.143% APR.
As of May 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Missouri?
Most lenders in Missouri require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Missouri often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Missouri require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Missouri?
Yes. Debt consolidation is one of the most common uses of personal loans in Missouri. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Missouri?
Credit unions in Missouri often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Missouri?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- County Credit Union: 4.99% (Signature (Personal))
- Public Safety Credit Union: 4.99% (Gun Loans)
- MECE Credit Union: 5.75% (Short-term Personal)
- Great Plains Federal Credit Union: 6.75% (Other Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 6, 2026.
