Best Personal Loan Rates in Springfield, 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 Springfield, Missouri include: Mercy Credit UnionMercy Credit Union1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238A+5.0 ★Texas Ratio: 1.69% offering Unsecured Loan at 10.00% APR, BluCurrent Credit UnionBluCurrent Credit Union1770 W SUNSET ST, SPRINGFIELD, MO, 65807A+5.0 ★Texas Ratio: 3.75% offering Signature Loan at 11.00% APR, Educational Community Credit UnionEducational Community Credit Union1221 E Grand St, Springfield, MO, 65804A5.0 ★Texas Ratio: 6.20% offering Signature at 12.25% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 3.78% offering Signature (Personal) at 4.99% APR. Personal loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Springfield has 3 local institutions in our database, with personal loan rates as low as 10.00% APR from Mercy Credit Union at 1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238. 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 Springfield, Missouri.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Springfield, 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 7, 2026
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As Low As; Signature Loan
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Rates as low as 4.99%
with credit score 650 or >
with credit score 650 or >
Rate with Maximum Discount*: 5.75%
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As Low As; Apply Today
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over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
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up to $250,000; As Low As; 10 year fixed
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As Low As; Including Debt Consolidation
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As Low As; Competitive interest rates starting at 8.90% (APRs starting at 9.05%)
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As Low As; VISA Platinum and Lifestyle Loan
As Low As; APR1: As low as 9.99%
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5-year payback
As Low As; Max. loan $20,000
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As Low As; Max. loan $5,000
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with credit score of less than 650
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with credit score of less than 650
Rate with Maximum Discount*: 10.75%
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As Low As; VISA Platinum and Lifestyle Loan
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As Low As; Borrow Up To $5000, Up to 36 months
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Rates as low as 12.14%
As Low As; Apply Today
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As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
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from 13.00% APR*
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As Low As; VISA Platinum and Lifestyle Loan
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As Low As; VISA Platinum and Lifestyle Loan
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As Low As; VISA Platinum and Lifestyle Loan
As Low As; VISA Platinum and Lifestyle Loan
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As Low As; APR1: As low as 9.99%
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As Low As; Borrow Up To $5000, Up to 36 months
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As Low As; Apply Today
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As Low As; UP TO 5 YR REPAY, UP TO $12,000 MAX - NEW LOANS ONLY
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5-year payback
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As Low As; Signature Loan
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As Low As; Including Debt Consolidation
As Low As; APR1: As low as 9.99%
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from 13.00% APR*
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Springfield, MO Personal Loan Rate Trends
Compare local Springfield, 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 0.164 points over the past 7 days to 12.442% APR.
Missouri signature loan rates fell 0.106 points over the past 7 days to 10.143% 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 Springfield, Missouri?
What are the best personal loan rates in Springfield, Missouri?
- Mercy Credit Union: 10.00% (Unsecured Loan)
- BluCurrent Credit Union: 11.00% (Signature Loan)
- Educational Community Credit Union: 12.25% (Signature)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- County Credit Union: 4.99% (Signature (Personal))
Personal Loan Calculators
