Best Personal Loan Rates in Independence, Missouri (MO) - 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 Independence, Missouri include: Public Safety Credit UnionPublic Safety Credit Union20130 E Valley View Pkwy, Independence, MO, 64057 1590A+5.0 ★Texas Ratio: 1.02% offering Gun Loans at 4.99% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union14506 E 39th St S, Independence, MO, 64055A+5.0 ★Texas Ratio: 1.60% offering Church Loans at 7.25% APR, City Credit UnionCity Credit Union2550 S State Route 291, Independence, MO, 64057 1226A5.0 ★Texas Ratio: 8.36% offering Signature at 10.71% APR, Missouri Central Credit UnionMissouri Central Credit Union17811 E US Highway 40, Independence, MO, 64055 5406A+5.0 ★Texas Ratio: 4.27% offering Signature Loans at 11.25% APR, and United Consumers Credit UnionUnited Consumers Credit Union1111 E 23rd St S, Independence, MO, 64055A+5.0 ★Texas Ratio: 4.31% offering Signature Loan at 13.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Independence has 6 local institutions in our database, with personal loan rates as low as 4.99% APR from Public Safety Credit Union at 20130 E Valley View Pkwy, Independence, MO, 64057 1590. 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 Independence, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Independence, 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 12, 2026
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.
As Low As
over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
up to $250,000; As Low As; 10 year fixed
As Low As; Including Debt Consolidation
As Low As
No additional details available.
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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No additional details available.
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No additional details available.
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No additional details available.
As Low As; 36 months max term
No additional details available.
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As Low As
No additional details available.
As Low As; Consumer Loans on New & Used Equipment
As Low As; 48 months max term
with credit score 650 or >
with credit score 650 or >
As Low As; 60 months max term
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As Low As
As Low As; Down Payment as low as: 10%
As Low As
This promo 'runs away' July 31, 2026.
No additional details available.
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As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
No additional details available.
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$500
$1,001
$3,001
As Low As
As Low As
Rate with Maximum Discount*: 5.00%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
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No additional details available.
Rate with Maximum Discount*: 5.50%
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Rate with Maximum Discount*: 6.00%
As Low As; Up to $15,000
As Low As
loan length up to 60 months
As Low As
No additional details available.
As Low As; Max. loan $20,000
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Rate with Maximum Discount*: 6.25%
No additional details available.
No additional details available.
As Low As
No additional details available.
5-year payback
Rate with Maximum Discount*: 6.50%
No additional details available.
No additional details available.
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As Low As
As Low As; Max. loan $5,000
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As Low As; Up to 36 months
with credit score of less than 650
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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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As Low As; Maximum $15,000 - Up to 60 months
No additional details available.
As Low As; $15,000 -$25,000
As Low As
As Low As
As Low As
As Low As
with credit score of less than 650
No additional details available.
As Low As; Up to 48 months
No additional details available.
As Low As; Up to 60 months
No additional details available.
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As Low As; $25,000 or more
As Low As; 60 months max term; $12,000 limit per household
As Low As
Credit Score 750+; You can borrow up to: $5,000.00
As Low As; rates are based on applicant's credit bureau score and various discounts
As Low As
No additional details available.
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
Up to $5,000
Up to $5,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Credit Score 700 - 749; You can borrow up to: $5,000.00
No additional details available.
As Low As
No additional details available.
As Low As; Up to $1,500.00
Credit Score 675 - 699; You can borrow up to: $4,000.00
As Low As
No additional details available.
No additional details available.
$10,000 maximum* - Credit Score of 651 & above $5,000 maximum* - Credit Score of 650 & below
Credit Score 625 - 674; You can borrow up to: $3,000.00
As Low As; 12 months maximum term
As Low As
No additional details available.
No additional details available.
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As Low As
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As Low As; Up to $15,000
As Low As
loan length up to 60 months
As Low As
No additional details available.
As Low As
No additional details available.
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As Low As; Up to 36 months
As Low As
No additional details available.
As Low As; $15,000 -$25,000
As Low As
As Low As; Up to 48 months
No additional details available.
As Low As; Up to 60 months
As Low As; $25,000 or more
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As Low As
No additional details available.
As Low As
No additional details available.
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As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
As Low As
No additional details available.
As Low As
5-year payback
As Low As; Including Debt Consolidation
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
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As Low As
No additional details available.
As Low As
As Low As
As Low As
loan length up to 60 months
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Up to 36 months
As Low As; Maximum $15,000 - Up to 60 months
As Low As
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.
No additional details available.
As Low As
As Low As
As Low As; Up to 48 months
As Low As; Up to 60 months
No additional details available.
As Low As
As Low As; rates are based on applicant's credit bureau score and various discounts
Credit Score 750+; You can borrow up to: $5,000.00
As Low As; 60 months max term; $12,000 limit per household
No additional details available.
Up to $5,000
Up to $5,000
No additional details available.
No additional details available.
As Low As
Credit Score 700 - 749; You can borrow up to: $5,000.00
No additional details available.
As Low As; Up to $1,500.00
Credit Score 675 - 699; You can borrow up to: $4,000.00
No additional details available.
No additional details available.
$10,000 maximum* - Credit Score of 651 & above $5,000 maximum* - Credit Score of 650 & below
Credit Score 625 - 674; You can borrow up to: $3,000.00
Independence, MO Personal Loan Rate Trends
Compare local Independence, MO 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.
Missouri personal loan rates fell 0.818 points over the past 7 days to 11.762% APR.
Missouri signature loan rates fell 0.305 points over the past 7 days to 11.341% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Independence, Missouri 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 Independence, Missouri 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 Independence, Missouri. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MO.
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 Missouri?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Missouri?
Are credit unions or banks better for personal loans in Independence, Missouri?
What are the best personal loan rates in Independence, Missouri?
- Public Safety Credit Union: 4.99% (Gun Loans)
- Interfaith Federal Credit Union: 7.25% (Church Loans)
- City Credit Union: 10.71% (Signature)
- Missouri Central Credit Union: 11.25% (Signature Loans)
- United Consumers Credit Union: 13.00% (Signature Loan)
Personal Loan Calculators
