Best Personal Loan Rates in Jefferson City, Missouri (MO) - April 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 Jefferson City, Missouri include: Conservation Employees Credit UnionConservation Employees Credit Union2915 W Truman Blvd, Jefferson City, MO, 65109 0580A+5.0 ★Texas Ratio: 0.38% offering New and Used (loan or more) at 4.75% 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, Civic Central Credit UnionCivic Central Credit Union400 E Miller St, Jefferson City, MO, 65101A+5.0 ★Texas Ratio: 1.40% offering Signature at 8.50% APR, PennTech Employees Federal Credit UnionPennTech Employees Federal Credit Union805 W Stadium Blvd, Jefferson City, MO, 65109A5.0 ★Texas Ratio: 7.25% offering Personal Loans at 12.50% APR, and Legacy Credit UnionLegacy Credit UnionA+5.0 ★Texas Ratio: 2.90% offering Storm Shelter Loans at 4.25% APR. Personal loan rates as of April 5, 2026 according to verified data from MonitorBankRates.
Jefferson City has 4 local institutions in our database, with personal loan rates as low as 4.75% APR from Conservation Employees Credit Union at 2915 W Truman Blvd, Jefferson City, MO, 65109 0580. 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 Jefferson City, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Jefferson City, 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: April 5, 2026
balance $20,000
balance $75,000
balance $75,000
balance $75,000
with credit score 650 or >
with credit score 650 or >
Rate with Maximum Discount*: 5.75%
No additional details available.
As Low As; $4k Maximum or 20% Gross Salary
2024 & Newer
No additional details available.
No additional details available.
Rate with Maximum Discount*: 5.50%
As Low As; $4k Maximum or 20% Gross Salary
Rate with Maximum Discount*: 6.00%
No additional details available.
Rate with Maximum Discount*: 6.25%
As Low As; $4k Maximum or 20% Gross Salary
Rate with Maximum Discount*: 6.50%
with credit score of less than 650
with credit score of less than 650
Rate with Maximum Discount*: 10.75%
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; 36 months max term
No additional details available.
As Low As
As Low As
As Low As; Terms up to 36 months; Only sworn or certified first responders are eligible; Maximum loan amount - $5,000
No additional details available.
As Low As
As Low As; 48 months max term
No additional details available.
No additional details available.
$5,000 for Individuals / $10,000 for Churches
As Low As; 60 months max term
No additional details available.
No additional details available.
Other terms and restrictions apply
As Low As
As Low As
As Low As; Down Payment as low as: 10%
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
over $250,000; As Low As; 5 year adjustable - starting at
$1,001
$3,001
up to $250,000; As Low As; 10 year fixed
$500
As Low As
As Low As
As Low As; There is a one-time $100 loan origination fee.
As Low As
As Low As
No additional details available.
Payable directly to the IRS
You can borrow up to $500 for 10 months for in-class or virtual teaching needs.
As Low As
As Low As
As Low As; APRs starting at 9.05%
No additional details available.
As Low As
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
Special
As Low As
Max 60 months repayment, add 1% if term is >36 months
As Low As; Including Debt Consolidation
As Low As
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
As Low As
No additional details available.
$3.50 per $100 per month. The annual percentage rate may vary
As Low As
As Low As
Loan Amounts: $1,000 to $300,000; Maximum LTV: 75%
As Low As
As Low As
As Low As
As Low As
As Low As; Up to $15,000
As Low As; Up to 36 months
As Low As
No additional details available.
As Low As
As Low As; Max. loan $20,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
5-year payback
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
As Low As
As Low As; $500 minimum Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As; Max. loan $5,000
As Low As
As Low As
No additional details available.
As Low As
As Low As; Up to 36 months
As Low As
As Low As; $15,000 -$25,000
As Low As
As Low As; Maximum $15,000 - Up to 60 months
As Low As; 37 to 48 months
As Low As
No additional details available.
Rates range from 11.00% to 18.00% Annual Percentage Rate (APR). No origination fee and no prepayment penalty.
As Low As
As Low As
As Low As
As Low As
As Low As; $500 minimum Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As; Up to 48 months
No additional details available.
As Low As; Terms up to 60 months; Up to $40,000 for qualified Members
No additional details available.
No additional details available.
As Low As; Up to 60 months
As Low As; Up to 36 mo.
As Low As
As Low As; $25,000 or more
As Low As; 49 to 60 months
No additional details available.
Available November 1, 2024 - December 31, 2024; $500
As Low As
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
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
Up to $5,000
Up to $5,000
As Low As
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
As Low As
As Low As
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
As Low As
As Low As
As Low As; Up to $15,000
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Up to 36 months
As Low As
As Low As; $15,000 -$25,000
As Low As
As Low As
As Low As
As Low As; Up to 48 months
As Low As; Terms up to 60 months; Up to $40,000 for qualified Members
No additional details available.
As Low As; Up to 60 months
As Low As
As Low As; $25,000 or more
As Low As
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
No additional details available.
5-year payback
No additional details available.
As Low As
No additional details available.
As Low As; $4k Maximum or 20% Gross Salary
As Low As; $4k Maximum or 20% Gross Salary
No additional details available.
As Low As; $4k Maximum or 20% Gross Salary
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As; Including Debt Consolidation
As Low As
No additional details available.
Max 60 months repayment, add 1% if term is >36 months
As Low As
No additional details available.
As Low As
As Low As; Up to 36 months
As Low As
As Low As
No additional details available.
As Low As
As Low As; $500 minimum Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As
No additional details available.
As Low As
As Low As; Up to 36 months
As Low As; 37 to 48 months
As Low As; Maximum $15,000 - Up to 60 months
No additional details available.
Rates range from 11.00% to 18.00% Annual Percentage Rate (APR). No origination fee and no prepayment penalty.
As Low As
As Low As
As Low As; $500 minimum Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
No additional details available.
As Low As; Up to 48 months
No additional details available.
As Low As; Up to 60 months
As Low As; Up to 36 mo.
As Low As; 49 to 60 months
As Low As
As Low As; 60 months max term; $12,000 limit per household
Credit Score 750+; You can borrow up to: $5,000.00
No additional details available.
No additional details available.
Up to $5,000
Up to $5,000
Jefferson City, MO Personal Loan Rate Trends
Compare local Jefferson City, 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 rose 1.101 points over the past 7 days to 13.184% APR.
Missouri signature loan rates rose 7.901 points over the past 7 days to 18.678% APR.
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 Jefferson City, Missouri?
What are the best personal loan rates in Jefferson City, Missouri?
- Conservation Employees Credit Union: 4.75% (New and Used (loan or more))
- MECE Credit Union: 5.75% (Short-term Personal)
- Civic Central Credit Union: 8.50% (Signature)
- PennTech Employees Federal Credit Union: 12.50% (Personal Loans)
- Legacy Credit Union: 4.25% (Storm Shelter Loans)
Personal Loan Calculators
