Best Personal Loan Rates in Saint Joseph, 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 Saint Joseph, Missouri include: Postal and Community Credit UnionPostal and Community Credit Union3921 Oakland Ave, Saint Joseph, MO, 64506A+5.0 ★Texas Ratio: 3.71% offering Signature Loan at 9.75% APR, Goetz Credit UnionGoetz Credit Union1905 Howard St, Saint Joseph, MO, 64501 1540A+5.0 ★Texas Ratio: 2.53% offering Signature Loans 24 months at 11.75% APR, United Consumers Credit UnionUnited Consumers Credit Union724 N Belt Hwy, Saint Joseph, MO, 64506 3011A+5.0 ★Texas Ratio: 3.93% 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 Unsecured Signature at 15.00% APR, and Legacy Credit UnionLegacy Credit UnionA+5.0 ★Texas Ratio: 2.82% offering Storm Shelter Loans at 4.25% APR. Personal loan rates as of May 20, 2026 according to verified data from MonitorBankRates.
Saint Joseph has 4 local institutions in our database, with personal loan rates as low as 9.75% APR from Postal and Community Credit Union at 3921 Oakland Ave, Saint Joseph, MO, 64506. 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 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: May 20, 2026
As Low As
No additional details available.
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As Low As
$10,000 maximum* - Credit Score of 651 & above $5,000 maximum* - Credit Score of 650 & below
As Low As; 36 months max term
No additional details available.
As Low As
As Low As
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.
No additional details available.
As Low As
As Low As; 48 months max term
with credit score 650 or >
with credit score 650 or >
As Low As; 60 months max term
No additional details available.
As Low As
As Low As; Down Payment as low as: 10%
No additional details available.
This promo 'runs away' July 31, 2026.
As Low As
No additional details available.
As Low As; Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
As Low As
over $250,000; As Low As; 5 year adjustable - starting at 7.25% APR*
No additional details available.
$1,001
$3,001
As Low As
up to $250,000; As Low As; 10 year fixed
$500
As Low As
As Low As
Rate with Maximum Discount*: 5.00%
No additional details available.
As Low As; Including Debt Consolidation
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
Rate with Maximum Discount*: 5.50%
Rate with Maximum Discount*: 6.00%
As Low As
No additional details available.
As Low As; Up to $15,000
loan length up to 60 months
As Low As
As Low As
5-year payback
No additional details available.
No additional details available.
As Low As; Max. loan $20,000
Rate with Maximum Discount*: 6.25%
No additional details available.
As Low As
Rate with Maximum Discount*: 6.50%
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; Max. loan $5,000
As Low As
As Low As
As Low As
with credit score of less than 650
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.
As Low As; $15,000 -$25,000
As Low As
As Low As; Maximum $15,000 - Up to 60 months
No additional details available.
with credit score of less than 650
No additional details available.
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
As Low As
As Low As
As Low As
As Low As; $25,000 or more
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
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
As Low As
No additional details available.
As Low As
No additional details available.
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.
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
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.
As Low As
No additional details available.
No additional details available.
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.
As Low As
As Low As
As Low As
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.
As Low As
As Low As
As Low As; $15,000 -$25,000
No additional details available.
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As; $25,000 or more
As Low As
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
No additional details available.
As Low As
As Low As
5-year payback
No additional details available.
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
$10,000 maximum* - Credit Score of 651 & above $5,000 maximum* - Credit Score of 650 & below
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; Including Debt Consolidation
No additional details available.
loan length up to 60 months
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
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.
As Low As
As Low As; Maximum $15,000 - Up to 60 months
As Low As
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As
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
As Low As; rates are based on applicant's credit bureau score and various discounts
Up to $5,000
Up to $5,000
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.
Credit Score 625 - 674; You can borrow up to: $3,000.00
No additional details available.
Saint Joseph, MO Personal Loan Rate Trends
Compare local Saint Joseph, 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 0.011 points over the past 7 days to 11.751% APR.
Missouri signature loan rates fell 0.012 points over the past 7 days to 11.328% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Joseph, 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 Saint Joseph, 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 Saint Joseph, 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 Saint Joseph, Missouri?
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 24 months)
- United Consumers Credit Union: 13.00% (Signature Loan)
- District One Highway Credit Union: 15.00% (Unsecured Signature)
- Legacy Credit Union: 4.25% (Storm Shelter Loans)
Personal Loan Calculators
