See real Missouri personal loan rates by credit score and loan length, updated weekly. See rates and best rated lenders in Missouri’s main cities and statewide.
Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
<< Human Powered Recommendations from Missouri’s Personal Loan Borrowers >>
Missouri Personal Loan Rates –
Find personal loan rates by credit score and loan length on Missouri. National, banks, credit unions, online lenders rates are for a 36 months terms. Rates are community provided by Missouri borrower who received a quote(s) or applied for a loan in the last 30 days.
| Credit Score | ||||
|---|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | 560 - 619 | |
| Nationally | 11.35% | 14.12% | 18.95% | 22.45% |
| Missouri | 11.46% | 14.13% | 18.96% | 22.46% |
| Credit Unions | 10.04% | 12.71% | 17.54% | 21.04% |
| Online lenders | 10.96% | 14.13% | 20.46% | 26.46% |
| Banks | 11.46% | 14.13% | 18.96% | 22.46% |
| 24 month | 10.80% | 13.47% | 18.30% | 21.80% |
| 36 month | 11.46% | 14.13% | 18.96% | 22.46% |
| 48 month | 11.96% | 14.63% | 19.46% | 22.96% |
| 60 month | 12.46% | 15.13% | 19.96% | 23.46% |
Source: MFP’s Community Personnal Loan Rates Survey from the last 30 days.
Missouri Best Personal Loan Lenders
Kansas City, St Louis, Springfield, Columbia, Lee’s Summit, O’Fallon, St Charles, St Joseph, Blue Springs, Online.
Missouri Personal Loans Lenders Satisfaction
Performance and satisfaction of personal loan lenders across Missouri by types of lenders.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Support & Guidance | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.72 | 4.69 | 4.73 | 94.1% |
| Community Banks | 4.44 | 4.43 | 4.52 | 88.5% |
| Online Lenders | 4.65 | 4.45 | 4.55 | 87.5% |
| Banks | 4.22 | 4.19 | 4.26 | 83.8% |
Source: MFP’s Community Survey of Personal Loan Lenders by State and Cities.
Recommendations are gathered from 1,308 local Missouri residents who got a quote or applied for a personal loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, support & guidance, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your personal loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed for your quote, or speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
Kansas City Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Kansas City’s area are CommunityAmerica Credit Union, Mazuma Credit Union and Mainstreet Credit Union.
- CommunityAmerica Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often point to helpful Kansas City-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Mazuma Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Customer feedback frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Mainstreet Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer feedback commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| CommunityAmerica Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Mazuma Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Mainstreet Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Holy Rosary Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| United Consumers Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Central Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| UMB Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Commerce Bank | Bank | 4.4 | 4.3 | 4.4 | 87% |
| Bank Midwest | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Academy Bank | Bank | 4.3 | 4.2 | 4.3 | 85% |
| Central Bank of Kansas City | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| Security Bank of Kansas City | Community Bank | 4.2 | 4.1 | 4.2 | 83% |
| Arvest Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
St Louis Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in St Louis’s area are Together Credit Union, First Community Credit Union and Arsenal Credit Union.
- Together Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often point to helpful St. Louis-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- First Community Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Customer feedback frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Arsenal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer feedback commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Together Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| First Community Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Arsenal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| West Community Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Electro Savings Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Neighbors Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| St. Louis Community Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Bank of Missouri | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Central Bank | Community Bank | 4.4 | 4.3 | 4.4 | 87% |
| UMB Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Commerce Bank | Bank | 4.3 | 4.2 | 4.3 | 85% |
| Midland States Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Regions Bank | Bank | 4.1 | 4.1 | 4.1 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Springfield Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Springfield’s area are BluCurrent Credit Union, Multipli Credit Union and TelComm Credit Union.
- BluCurrent Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often point to helpful Springfield-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Multipli Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Customer feedback frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- TelComm Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer feedback commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| BluCurrent Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Multipli Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| TelComm Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Volt Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Central Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Great Southern Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Guaranty Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Arvest Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Commerce Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
Columbia Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Columbia’s area are Tigers Community Credit Union, Missouri Credit Union and Central Bank.
- Tigers Community Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often point to helpful Columbia-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Missouri Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Customer feedback frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Central Bank ranks third with a 92% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer feedback commonly highlight accessible local service, practical loan help and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Tigers Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Missouri Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Central Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| The Bank of Missouri | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Hawthorn Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Commerce Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| UMB Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Regions Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Lee’s Summit Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Lee’s Summit’s area are CommunityAmerica Credit Union, Mainstreet Credit Union and Mazuma Credit Union.
- CommunityAmerica Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often point to helpful Lee’s Summit-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Mainstreet Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Customer feedback frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Mazuma Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer feedback commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| CommunityAmerica Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Mainstreet Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Mazuma Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| United Consumers Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Central Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Commerce Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| UMB Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
O’Fallon Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in O’fallon’s area are First Community Credit Union, West Community Credit Union and Together Credit Union.
- First Community Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often point to helpful O’Fallon-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- West Community Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Customer feedback frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Together Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer feedback commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| West Community Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Together Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Arsenal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Central Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Commerce Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| UMB Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
St Charles Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in St Charles’s area are First Community Credit Union, West Community Credit Union and Arsenal Credit Union.
- First Community Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often point to helpful St Charles-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- West Community Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Customer feedback frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Arsenal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer feedback commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| West Community Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Arsenal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Central Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Commerce Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| UMB Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
St Joseph Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in St Joseph’s area are BluCurrent Credit Union, Nodaway Valley Bank and First Interstate Bank.
- BluCurrent Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often point to helpful St Joseph-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Nodaway Valley Bank ranks second with a 92% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer feedback frequently mention practical local service, responsive branch staff and clear borrowing help, which supports its strong support score among the top 3.
- First Interstate Bank ranks third with an 88% Recommend score, a 4.4 Easy Application rating, 4.4 Loan Terms & Rate Satisfaction rating and 4.5 Support & Guidance rating.
- Customer feedback commonly highlight accessible branch service, straightforward loan help and dependable staff support, which supports its recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| BluCurrent Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Nodaway Valley Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| First Interstate Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| UMB Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Commerce Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Blue Springs Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Blue Springs’s area are CommunityAmerica Credit Union, United Consumers Credit Union and Mazuma Credit Union.
- CommunityAmerica Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often point to helpful Blue Springs-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- United Consumers Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Customer feedback frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Mazuma Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer feedback commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| CommunityAmerica Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| United Consumers Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Mazuma Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Mainstreet Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Central Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Commerce Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
Missouri Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Missouri’s area are First Community Credit Union, First Missouri Credit Union and Missouri Central Credit Union.
- First Community Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to competitive personal loan rates, customized terms, and a simple application process.
- First Missouri Credit Union ranks second with a 95% Recommend score, 4.7 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance, tying the highest Loan Terms & Rate Satisfaction score among the top 3.
- Borrower feedback supports its strong ranking because customers highlight flexible terms, quick approval and funding, and helpful loan officers.
- Missouri Central Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top-3 placement because customers point to fixed-interest personal loan options, online application access, and useful help when applying.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Community Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| First Missouri Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 95% |
| Missouri Central Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 93% |
| Mainstreet Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 92% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 91% |
| Multipli Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 90% |
| Southwest Missouri Bank | Community Bank | 4.5 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 87% |