Best Personal Loan Rates in Saint Joseph, Missouri (MO) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Saint Joseph, Missouri include: Postal and Community Credit UnionPostal and Community Credit Union3921 Oakland Ave, Saint Joseph, MO, 64506A+5.0 ★Texas Ratio: 3.88% offering Signature Loan at 9.75% APR, Goetz Credit UnionGoetz Credit Union1905 Howard St, Saint Joseph, MO, 64501 1540A+5.0 ★Texas Ratio: 2.57% offering Signature Loans at 11.75% APR, United Consumers Credit UnionUnited Consumers Credit Union724 N Belt Hwy, Saint Joseph, MO, 64506 3011A+5.0 ★Texas Ratio: 4.31% offering Signature Loan at 13.00% APR, District One Highway Credit UnionDistrict One Highway Credit Union3011 N Belt Hwy Ste B, Saint Joseph, MO, 64506 1548A+5.0 ★Texas Ratio: 0.00% offering Flexiloan at 15.00% APR, and Holy Rosary Credit Union Kansas City, MOHoly Rosary Credit Union Kansas City, MO1002 N 4th ST, Saint Joseph, MO, 64501 1142B+4.8 ★Texas Ratio: 17.24% offering Tight Spot Loan at 18.00% APR. Personal loan rates as of March 29, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Saint Joseph, Missouri can save you significantly over the life of your loan.
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 Saint Joseph, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saint Joseph, 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: March 29, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3921 Oakland Ave, Saint Joseph, MO, 64506
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 1, 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
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedApril 1, 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
Signature Loans
12.25%
▼
APR12.25%
Last UpdatedApril 1, 2026
Details
No additional details available.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
724 N Belt Hwy, Saint Joseph, MO, 64506 3011
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 1, 2026
Details
As Low As
District One Highway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3011 N Belt Hwy Ste B, Saint Joseph, MO, 64506 1548
Flexiloan
15.00%
▼
APR15.00%
Last UpdatedApril 1, 2026
Details
$10,000 max* Credit Score of 651 &above $ 5,000 max* Credit Score of 650 & below
Holy Rosary Credit Union Kansas City, MO
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
1002 N 4th ST, Saint Joseph, MO, 64501 1142
Tight Spot Loan
18.00%
▼
APR18.00%
Last UpdatedApril 1, 2026
Details
$20.00 application fee (denied or approved).
Goetz Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1905 Howard St, Saint Joseph, MO, 64501 1540
Signature Loans
1,275.00%
▼
APR1,275.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Storm Shelter Loans
4.25%
▼
APR4.25%
Last UpdatedApril 1, 2026
Details
As Low As; 36 months max term
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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used (loan or more)
4.75%
▼
APR4.75%
Last UpdatedApril 1, 2026
Details
balance $20,000
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 UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
As Low As; Terms up to 36 months; Only sworn or certified first responders are eligible; Maximum loan amount - $5,000
Foundation Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1726 W Elfindale St, Springfield, MO, 65807 1289
Consumer Loans on New & Used Equipment
5.24%
▼
APR5.24%
Last UpdatedApril 1, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used (loan or more)
5.25%
▼
APR5.25%
Last UpdatedApril 1, 2026
Details
balance $75,000
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Storm Shelter Loans
5.25%
▼
APR5.25%
Last UpdatedApril 1, 2026
Details
As Low As; 48 months max term
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used (loan or more)
5.50%
▼
APR5.50%
Last UpdatedApril 1, 2026
Details
balance $75,000
UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
123 W Lafayette St, Palmyra, MO, 63461
Construction Loan Special
5.54%
▼
APR5.54%
Last UpdatedApril 1, 2026
Details
This Construction Loan offer is subject to credit approval and valid for applications received on or before March 31, 2026.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used (loan or more)
5.75%
▼
APR5.75%
Last UpdatedApril 1, 2026
Details
balance $75,000
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 UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
Rate with Maximum Discount*: 5.75%
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Storm Shelter Loans
6.25%
▼
APR6.25%
Last UpdatedApril 1, 2026
Details
As Low As; 60 months max term
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO, 65802 3704
FHA, VA, USDA Loans
6.43%
▼
APR6.43%
Last UpdatedApril 1, 2026
Details
No additional details available.
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO, 65802 3704
Land Loans
6.45%
▼
APR6.45%
Last UpdatedApril 1, 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
Specialty Loans
6.50%
▼
APR6.50%
Last UpdatedApril 1, 2026
Details
Other terms and restrictions apply
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Recreational Toys Loan
6.75%
▼
APR6.75%
Last UpdatedApril 1, 2026
Details
As Low As
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Construction Loan
6.80%
▼
APR6.80%
Last UpdatedApril 1, 2026
Details
As Low As; Down Payment as low as: 10%
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 UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 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
PRIME - Up to 80% loan to value
7.00%
▼
APR7.00%
Last UpdatedApril 1, 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
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedApril 1, 2026
Details
over $250,000; As Low As; 5 year adjustable - starting at
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 UpdatedApril 1, 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
Unsecured Loan (A - C) to $5,000
7.50%
▼
APR7.50%
Last UpdatedApril 1, 2026
Details
$3,001
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Unsecured Loan (A - C) to $3,000
7.50%
▼
APR7.50%
Last UpdatedApril 1, 2026
Details
$1,001
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedApril 1, 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
Unsecured Loan (A - C) to $1,000
7.50%
▼
APR7.50%
Last UpdatedApril 1, 2026
Details
$500
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature
7.50%
▼
APR7.50%
Last UpdatedApril 1, 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
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedApril 1, 2026
Details
up to $250,000; As Low As; 10 year fixed
Lutheran Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10733 Sunset Office Dr Ste 406, Saint Louis, MO, 63127 1024
RCW Consolidation Loan
7.66%
▼
APR7.66%
Last UpdatedApril 1, 2026
Details
As Low As; There is a one-time $100 loan origination fee.
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 UpdatedApril 1, 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 UpdatedApril 1, 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
Classroom Cash Loans
8.00%
▼
APR8.00%
Last UpdatedApril 1, 2026
Details
You can borrow up to $500 for 10 months for in-class or virtual teaching needs.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 1, 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
The Wedding Loan (Signature Loan)
8.25%
▼
APR8.25%
Last UpdatedApril 1, 2026
Details
As Low As
Civic Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 1, 2026
Details
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
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 UpdatedApril 1, 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
Other Titled Collateral Loans
8.75%
▼
APR8.75%
Last UpdatedApril 1, 2026
Details
2024 & Newer
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 UpdatedApril 1, 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
8.90%
▼
APR8.90%
Last UpdatedApril 1, 2026
Details
As Low As; APRs starting at 9.05%
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
400 Towne Center Drive, BELTON, MO, 64012
Signature Loan - 1 to 60 months
8.99%
▼
APR8.99%
Last UpdatedApril 1, 2026
Details
As Low As
United Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
109 Lindsey Dr, Hannibal, MO, 63401
Unsecured (Signature) Loans
8.99%
▼
APR8.99%
Last UpdatedApril 1, 2026
Details
Max 60 months repayment, add 1% if term is >36 months
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 UpdatedApril 1, 2026
Details
As Low As
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Hero Loan
8.99%
▼
APR8.99%
Last UpdatedApril 1, 2026
Details
Special
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1 Red Devil Rd, Hannibal, MO, 63401
Low-Rate Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 1, 2026
Details
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
Signature Loans
8.99%
▼
APR8.99%
Last UpdatedApril 1, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
Personal/Signature
8.99%
▼
APR8.99%
Last UpdatedApril 1, 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
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 1, 2026
Details
As Low As; Including Debt Consolidation
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 1, 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
Vacation/Holiday Loan
9.00%
▼
APR9.00%
Last UpdatedApril 1, 2026
Details
As Low As
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
4701 Troost Ave, Kansas City, MO, 64110
Freedom Fast Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 1, 2026
Details
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
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 UpdatedApril 1, 2026
Details
No additional details available.
United Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
109 Lindsey Dr, Hannibal, MO, 63401
Revolving Lines of Credit Loans
9.00%
▼
APR9.00%
Last UpdatedApril 1, 2026
Details
$3.50 per $100 per month. The annual percentage rate may vary
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Personal Loan
9.14%
▼
APR9.14%
Last UpdatedApril 1, 2026
Details
As Low As
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 UpdatedApril 1, 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
Other Titled Collateral Loans
9.25%
▼
APR9.25%
Last UpdatedApril 1, 2026
Details
Rate with Maximum Discount*: 5.50%
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
393 Ne 94th St, Kansas City, MO, 64155
Consumer Lot Loan
9.44%
▼
APR9.44%
Last UpdatedApril 1, 2026
Details
Loan Amounts: $1,000 to $300,000; Maximum LTV: 75%
Civic Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Signature
9.50%
▼
APR9.50%
Last UpdatedApril 1, 2026
Details
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
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 UpdatedApril 1, 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
Other Titled Collateral Loans
9.75%
▼
APR9.75%
Last UpdatedApril 1, 2026
Details
Rate with Maximum Discount*: 6.00%
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
100 E 20th St, Kansas City, MO, 64108
Personal Loan
9.79%
▼
APR9.79%
Last UpdatedApril 1, 2026
Details
As Low As
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 UpdatedApril 1, 2026
Details
No additional details available.
Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO, 65804 1732
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 36 months
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As; Up to $15,000
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature/Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 1, 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 Up to 60 months
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Holiday loan
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Show Me Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Back to School loan Unsecured
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
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 UpdatedApril 1, 2026
Details
No additional details available.
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 UpdatedApril 1, 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
Other Titled Collateral Loans
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
Rate with Maximum Discount*: 6.25%
Summit Ridge Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
3485 NE Ralph Powell Rd, Lees Summit, MO, 64064
Holiday & Vacation Loans
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Civic Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
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 UpdatedApril 1, 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
Preferred Personal
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
As Low As; Max. loan $20,000
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 UpdatedApril 1, 2026
Details
5-year payback
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
2010 William St, Jefferson city, MO, 65109
Signature Loans or greater
10.25%
▼
APR10.25%
Last UpdatedApril 1, 2026
Details
$5,000; Rates based on credit score; (close end loans)
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO, 65101 4428
Other Titled Collateral Loans
10.25%
▼
APR10.25%
Last UpdatedApril 1, 2026
Details
Rate with Maximum Discount*: 6.50%
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 UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
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.
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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
As Low As; Max. loan $5,000
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 UpdatedApril 1, 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 Line-of-Credit
10.66%
▼
APR10.66%
Last UpdatedApril 1, 2026
Details
As Low As
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO, 64055
Signature Loan
10.70%
▼
APR10.70%
Last UpdatedApril 1, 2026
Details
No additional details available.
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
Signature
10.71%
▼
APR10.71%
Last UpdatedApril 1, 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/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 36 months
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 UpdatedApril 1, 2026
Details
with credit score of less than 650
Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal Loan max)
10.84%
▼
APR10.84%
Last UpdatedApril 1, 2026
Details
$20,000; As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 1, 2026
Details
As Low As; $15,000 -$25,000
Summit Ridge Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
3485 NE Ralph Powell Rd, Lees Summit, MO, 64064
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 1, 2026
Details
As Low As
Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO, 65804 1732
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 1, 2026
Details
As Low As; 37 to 48 months
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 UpdatedApril 1, 2026
Details
As Low As; Maximum $15,000 - Up to 60 months
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 UpdatedApril 1, 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 (with credit score of less than 650)
11.00%
▼
APR11.00%
Last UpdatedApril 1, 2026
Details
Rate with Maximum Discount*: 10.75%
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 UpdatedApril 1, 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 Loans
11.00%
▼
APR11.00%
Last UpdatedApril 1, 2026
Details
Rates range from 11.00% to 18.00% Annual Percentage Rate (APR). No origination fee and no prepayment penalty.
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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 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
11.24%
▼
APR11.24%
Last UpdatedApril 1, 2026
Details
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.
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
2010 William St, Jefferson city, MO, 65109
Signature Loans or less
11.25%
▼
APR11.25%
Last UpdatedApril 1, 2026
Details
$4,999; Rates based on credit score; (close end loans)
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Signature/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 48 months
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 UpdatedApril 1, 2026
Details
No additional details available.
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO, 64131
Personal Loans
11.29%
▼
APR11.29%
Last UpdatedApril 1, 2026
Details
As Low As; Terms up to 60 months; Up to $40,000 for qualified Members
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 UpdatedApril 1, 2026
Details
No additional details available.
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 UpdatedApril 1, 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/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 60 months
Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal Loan max)
11.80%
▼
APR11.80%
Last UpdatedApril 1, 2026
Details
$20,000; As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 1, 2026
Details
As Low As; $25,000 or more
Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO, 65804 1732
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedApril 1, 2026
Details
As Low As; 49 to 60 months
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
As Low As; 60 months max term; $12,000 limit per household
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Signature Loan
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
Holiday Loans
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
Available November 1, 2024 - December 31, 2024; $500
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
Back-to-School Loan
12.00%
▼
APR12.00%
Last UpdatedApril 1, 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
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
As Low As
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
Credit Score 750+; You can borrow up to: $5,000.00
Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Credit Builder Loan max)
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
$2,000; 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 UpdatedApril 1, 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 UpdatedApril 1, 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
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedApril 1, 2026
Details
No additional details available.
Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal Loan max)
12.30%
▼
APR12.30%
Last UpdatedApril 1, 2026
Details
$20,000; 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
12.49%
▼
APR12.49%
Last UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Signature Loan (A - E)
12.50%
▼
APR12.50%
Last UpdatedApril 1, 2026
Details
Up to $5,000
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Term Signature,
12.50%
▼
APR12.50%
Last UpdatedApril 1, 2026
Details
Up to $5,000
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO, 65802 3704
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedApril 1, 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
Refinanced Loans
12.75%
▼
APR12.75%
Last UpdatedApril 1, 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
12.75%
▼
APR12.75%
Last UpdatedApril 1, 2026
Details
No additional details available.
Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal Loan max)
12.99%
▼
APR12.99%
Last UpdatedApril 1, 2026
Details
$20,000; As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature Loan
12.99%
▼
APR12.99%
Last UpdatedApril 1, 2026
Details
No additional details available.
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 1, 2026
Details
Credit Score 700 - 749; You can borrow up to: $5,000.00
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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
As Low As
City & County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1 Red Devil Rd, Hannibal, MO, 63401
Low-Rate Personal Loan
8.99%
▼
APR8.99%
Last UpdatedApril 1, 2026
Details
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
4701 Troost Ave, Kansas City, MO, 64110
Freedom Fast Personal Loan
9.00%
▼
APR9.00%
Last UpdatedApril 1, 2026
Details
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
Infuze Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
5000 Illinois Ave, Fort Leonard Wood, MO, 65473
Personal Loan
9.14%
▼
APR9.14%
Last UpdatedApril 1, 2026
Details
As Low As
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
100 E 20th St, Kansas City, MO, 64108
Personal Loan
9.79%
▼
APR9.79%
Last UpdatedApril 1, 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 Up to 60 months
9.99%
▼
APR9.99%
Last UpdatedApril 1, 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/Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As; Up to $15,000
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 UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 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/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 36 months
Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal Loan max)
10.84%
▼
APR10.84%
Last UpdatedApril 1, 2026
Details
$20,000; 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 UpdatedApril 1, 2026
Details
As Low As
Summit Ridge Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
3485 NE Ralph Powell Rd, Lees Summit, MO, 64064
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 1, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 1, 2026
Details
As Low As; $15,000 -$25,000
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 UpdatedApril 1, 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/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 48 months
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO, 64131
Personal Loans
11.29%
▼
APR11.29%
Last UpdatedApril 1, 2026
Details
As Low As; Terms up to 60 months; Up to $40,000 for qualified Members
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 UpdatedApril 1, 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/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 60 months
Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal Loan max)
11.80%
▼
APR11.80%
Last UpdatedApril 1, 2026
Details
$20,000; As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedApril 1, 2026
Details
As Low As; $25,000 or more
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 UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
No additional details available.
Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal Loan max)
12.30%
▼
APR12.30%
Last UpdatedApril 1, 2026
Details
$20,000; 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 UpdatedApril 1, 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
12.49%
▼
APR12.49%
Last UpdatedApril 1, 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
12.49%
▼
APR12.49%
Last UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
Multipli Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
818 N Benton Ave, Springfield, MO, 65802 3704
Personal Loans
12.75%
▼
APR12.75%
Last UpdatedApril 1, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Personal Loan max)
12.99%
▼
APR12.99%
Last UpdatedApril 1, 2026
Details
$20,000; As Low As
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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 UpdatedApril 1, 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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Postal and Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
3921 Oakland Ave, Saint Joseph, MO, 64506
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 1, 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
Signature Loans
11.75%
▼
APR11.75%
Last UpdatedApril 1, 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
Signature Loans
12.25%
▼
APR12.25%
Last UpdatedApril 1, 2026
Details
No additional details available.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
724 N Belt Hwy, Saint Joseph, MO, 64506 3011
Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 1, 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
Signature Loans
1,275.00%
▼
APR1,275.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
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 UpdatedApril 1, 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 UpdatedApril 1, 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
7.50%
▼
APR7.50%
Last UpdatedApril 1, 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
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature Loan
8.00%
▼
APR8.00%
Last UpdatedApril 1, 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
The Wedding Loan (Signature Loan)
8.25%
▼
APR8.25%
Last UpdatedApril 1, 2026
Details
As Low As
Civic Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Signature
8.50%
▼
APR8.50%
Last UpdatedApril 1, 2026
Details
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
United Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
109 Lindsey Dr, Hannibal, MO, 63401
Unsecured (Signature) Loans
8.99%
▼
APR8.99%
Last UpdatedApril 1, 2026
Details
Max 60 months repayment, add 1% if term is >36 months
R-G Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
400 Towne Center Drive, BELTON, MO, 64012
Signature Loan - 1 to 60 months
8.99%
▼
APR8.99%
Last UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
As Low As; Including Debt Consolidation
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
Signature Loans
8.99%
▼
APR8.99%
Last UpdatedApril 1, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
Personal/Signature
8.99%
▼
APR8.99%
Last UpdatedApril 1, 2026
Details
No additional details available.
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Civic Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Signature
9.50%
▼
APR9.50%
Last UpdatedApril 1, 2026
Details
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
Signature Or Personal Loan Up to 60 months
9.99%
▼
APR9.99%
Last UpdatedApril 1, 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/Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As
Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO, 65804 1732
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 36 months
Civic Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Signature
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
As Low As; $4k Maximum or 20% Gross Salary $15K Limit
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature Loan
10.00%
▼
APR10.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
2010 William St, Jefferson city, MO, 65109
Signature Loans or greater
10.25%
▼
APR10.25%
Last UpdatedApril 1, 2026
Details
$5,000; Rates based on credit score; (close end loans)
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 UpdatedApril 1, 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 UpdatedApril 1, 2026
Details
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.
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 UpdatedApril 1, 2026
Details
As Low As
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
19301 E Valley View Pkwy, Independence, MO, 64055
Signature Loan
10.70%
▼
APR10.70%
Last UpdatedApril 1, 2026
Details
No additional details available.
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
Signature
10.71%
▼
APR10.71%
Last UpdatedApril 1, 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/Personal Loans Signature
10.75%
▼
APR10.75%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 36 months
Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO, 65804 1732
Signature Loan
10.99%
▼
APR10.99%
Last UpdatedApril 1, 2026
Details
As Low As; 37 to 48 months
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 UpdatedApril 1, 2026
Details
As Low As; Maximum $15,000 - Up to 60 months
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 UpdatedApril 1, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
Signature Loan
11.00%
▼
APR11.00%
Last UpdatedApril 1, 2026
Details
No additional details available.
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 UpdatedApril 1, 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 Loans
11.00%
▼
APR11.00%
Last UpdatedApril 1, 2026
Details
Rates range from 11.00% to 18.00% Annual Percentage Rate (APR). No origination fee and no prepayment penalty.
Health Care Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Signature
11.24%
▼
APR11.24%
Last UpdatedApril 1, 2026
Details
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.
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 UpdatedApril 1, 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/Personal Loans Signature
11.25%
▼
APR11.25%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 48 months
Highway Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
2010 William St, Jefferson city, MO, 65109
Signature Loans or less
11.25%
▼
APR11.25%
Last UpdatedApril 1, 2026
Details
$4,999; Rates based on credit score; (close end loans)
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 UpdatedApril 1, 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/Personal Loans Signature
11.75%
▼
APR11.75%
Last UpdatedApril 1, 2026
Details
As Low As; Up to 60 months
Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2350 E Bennett St, Springfield, MO, 65804 1732
Signature Loan
11.99%
▼
APR11.99%
Last UpdatedApril 1, 2026
Details
As Low As; 49 to 60 months
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
Credit Score 750+; You can borrow up to: $5,000.00
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Signature Loan
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Signature
12.00%
▼
APR12.00%
Last UpdatedApril 1, 2026
Details
As Low As; 60 months max term; $12,000 limit per household
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Signature Loans
12.24%
▼
APR12.24%
Last UpdatedApril 1, 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 Loan (A - E)
12.50%
▼
APR12.50%
Last UpdatedApril 1, 2026
Details
Up to $5,000
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
26155 Stoll Country Ln, Maryville, MO, 64468 7391
Term Signature,
12.50%
▼
APR12.50%
Last UpdatedApril 1, 2026
Details
Up to $5,000
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Signature Loan
12.99%
▼
APR12.99%
Last UpdatedApril 1, 2026
Details
No additional details available.
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
901 E Main St, Willow Springs, MO, 65793
Unsecured Signature Loan
13.00%
▼
APR13.00%
Last UpdatedApril 1, 2026
Details
Credit Score 700 - 749; You can borrow up to: $5,000.00
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No home improvement personal loan rates found in Saint Joseph, MO currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Missouri?
Most lenders in Saint Joseph, 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 Saint Joseph, 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 Saint Joseph, 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 Saint Joseph, Missouri?
Credit unions in Saint Joseph, 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 Saint Joseph, Missouri?
- Postal and Community Credit Union: 9.75% (Signature Loan)
- Goetz Credit Union: 11.75% (Signature Loans)
- United Consumers Credit Union: 13.00% (Signature Loan)
- District One Highway Credit Union: 15.00% (Flexiloan)
- Holy Rosary Credit Union Kansas City, MO: 18.00% (Tight Spot Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Saint Joseph, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 29, 2026.
Personal Loan Calculators
