Best Personal Loan Rates in Saint Louis, Missouri - July
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 Louis, Missouri include: Neighbors Credit UnionNeighbors Credit Union6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804A5.0 ★Texas Ratio: 8.10% offering 2024-2027 Models up to 48 mos Loan at 4.74% APR, County Credit UnionCounty Credit Union130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913A+5.0 ★Texas Ratio: 3.60% offering Signature (Personal) Loan at 4.99% APR, St Louis Policemen`s Credit UnionSt Louis Policemen`s Credit Union1915 Olive St, Saint Louis, MO, 63103A+5.0 ★Texas Ratio: 3.88% offering Special Winter or Vacation Loan at 6.50% APR, Health Care Family Credit UnionHealth Care Family Credit Union2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406A5.0 ★Texas Ratio: 10.45% offering Fixed HE Loan at 7.25% APR, and Patriot Credit UnionPatriot Credit Union4343 Telegraph Rd, Saint Louis, MO, 63129 2648A-5.0 ★Texas Ratio: 13.49% offering Signature Loan at 7.90% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Saint Louis has 17 local institutions in our database, with personal loan rates as low as 4.74% APR from Neighbors Credit Union at 6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804. 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 Louis, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saint Louis, 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: July 25, 2026
Saint Louis Personal Loan Rates
APR w/ Checking & Direct Deposit: 4.49%
No additional details available.
APR w/ Checking & Direct Deposit: 4.99%
APR w/ Checking & Direct Deposit: 5.24%
APR w/ Checking & Direct Deposit: 5.24%
APR w/ Checking & Direct Deposit: 5.24%
APR w/ Checking & Direct Deposit: 5.74%
APR w/ Checking & Direct Deposit: 6.24%
No additional details available.
No additional details available.
APR w/ Checking & Direct Deposit: 7.24%
As Low As; Rates effective as of 04/14/2026. Rates subject to change without notice.
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As Low As; Model Year
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Apply for $500 to $10,000 with up to 60 months to repay the loan, and enjoy fixed rates as low as 9.99% APR*. You can currently still apply for loans with Gateway Metro by visiting a local branch.
loan length
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
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As low As*
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As low As*
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Maximum $15,000
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As low As*
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Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.
No additional details available.
As low As*
No additional details available.
No additional details available.
Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting.
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As low As*
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As Low As*
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As Low As; please call for details
$30,000 max loan amount
No additional details available.
Rates 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; please call for details
As Low As; some restrictions apply. Maximum term is one year. Loan promotion runs through September 30, 2026
No additional details available.
$30,000 max loan amount
No additional details available.
$30,000 max loan amount
No additional details available.
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up to $5,000; Rates are based on applicant's credit bureau score and various discounts. *
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Rate with Maximum Discount*: 5.75%
No additional details available.
No additional details available.
As Low As; 2001 & Older
As Low As; please call for details
No additional details available.
As Low As; Conditions: Purchase Only. Non-Title Loan Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Values determined by sticker price or NADA guide. Please contact the credit union for current loan rates and loan details.
No additional details available.
As Low As; Conditions: Purchase Only. Non-Title Loan Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Values determined by sticker price or NADA guide. Please contact the credit union for current loan rates and loan details.
As Low As; UCC will be filed
As Low As
No additional details available.
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As Low As; Down Payment as low as 10%
Rates as Low As: Conditions: Purchase Only. Non-Title Loan Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Values determined by sticker price or NADA guide. Please contact the credit union for current loan rates and loan details.
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*APR (reflects AutoPay .25% Deduction)
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$500; Base Rate (APR): 9.00%
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$3,001; Base Rate (APR): 9.00%
$1,001; Base Rate (APR): 9.00%
As Low As
As Low As; *
Rates as Low As: Conditions: Purchase Only. Non-Title Loan Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Values determined by sticker price or NADA guide. Please contact the credit union for current loan rates and loan details.
up to $5,000; Rates are based on applicant's credit bureau score and various discounts. *
$5,001; Rates are based on applicant's credit bureau score and various discounts. *
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As Low As; Starting as low as 8.00%
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$40,001; Rates are based on applicant's credit bureau score and various discounts. *
over $5,000; Rates are based on applicant's credit bureau score and various discounts. *
No additional details available.
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Rate with Maximum Discount*: 5.00%
Purchases and Cash Advances; and Balance Transfers that occur after six months of opening the card.
No additional details available.
As Low As; please call for details
Rate with Maximum Discount*: 8.75%
No additional details available.
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Rate with Maximum Discount*: 5.50%
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As Low As
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Rate with Maximum Discount*: 6.00%
based upon credit worthiness; Purchases and Cash Advances; and Balance Transfers that occur after six months of opening the card.
No additional details available.
As Low As; Up to $15,000
Max. loan $20,000
No additional details available.
Rate with Maximum Discount*: 6.25%
No additional details available.
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As Low As
$5,000
Rate with Maximum Discount*: 6.50%
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Max. loan $5,000
No additional details available.
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No additional details available.
No additional details available.
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
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As low as
Rate with Maximum Discount*: 10.75%
No additional details available.
As Low As
$4,999
No additional details available.
Saint Louis Personal Loan Rates
As Low As
No additional details available.
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
loan length
Apply for $500 to $10,000 with up to 60 months to repay the loan, and enjoy fixed rates as low as 9.99% APR*. You can currently still apply for loans with Gateway Metro by visiting a local branch.
As low As*
No additional details available.
As low As*
No additional details available.
No additional details available.
As low As*
No additional details available.
As low As*
No additional details available.
No additional details available.
As low As*
Rate with Maximum Discount*: 5.75%
As Low As; Starting as low as 8.00%
Rate with Maximum Discount*: 8.75%
As Low As; Up to $15,000
Max. loan $20,000
Max. loan $5,000
As Low As; $15,000 - $25,000
Rate with Maximum Discount*: 10.75%
Saint Louis Debt Consolidation Loan Rates
No additional details available.
No additional details available.
Saint Louis Signature Loan Rates
No additional details available.
As Low As; Rates effective as of 04/14/2026. Rates subject to change without notice.
No additional details available.
No additional details available.
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
loan length
Apply for $500 to $10,000 with up to 60 months to repay the loan, and enjoy fixed rates as low as 9.99% APR*. You can currently still apply for loans with Gateway Metro by visiting a local branch.
No additional details available.
No additional details available.
Maximum $15,000
No additional details available.
As Low As; *
As Low As
As Low As
$5,000
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
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
No additional details available.
As Low As
$4,999
Saint Louis, MO Personal Loan Rate Trends
Compare local Saint Louis, 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 0.005 points over the past 7 days to 11.323% APR.
Missouri signature loan rates currently average 12.358% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saint Louis, 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 Louis, 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 Louis, 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 Louis, Missouri?
What are the best personal loan rates in Saint Louis, Missouri?
- Neighbors Credit Union: 4.74% (2024-2027 Models up to 48 mos Loan)
- County Credit Union: 4.99% (Signature (Personal) Loan)
- St Louis Policemen`s Credit Union: 6.50% (Special Winter or Vacation Loan)
- Health Care Family Credit Union: 7.25% (Fixed HE Loan)
- Patriot Credit Union: 7.90% (Signature Loan)
Saint Louis, Missouri Rates & Resources
Personal Loan Calculators
