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Find the Best Personal Loans in Kansas City

Surprise medical bills or home renovation projects may seem financially impossible, but personal loans can help. Banks and credit unions offer personal loans at a good rate, but before signing a contract, make sure the company is reputable and the pricing is clear. We researched the best personal loans in Kansas City to help you find the best option.

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Compare Top Personal Loans

Personal Loan Pro
  • Loans up to $50,000
  • Get funds in your account the following business day
  • Check offers with no drop in your credit score
  • Available in Kansas City and nationwide
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Best Egg
Overall satisfaction rating
  • Available in Kansas City
  • Qualify in minutes
  • Won't impact your credit score
  • Select the term that works best for you

Personal loans made fast & easy!

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Overall satisfaction rating
  • Available in Missouri only
  • Receive funds in four hours
  • $600-$30,000 loans
  • No prepayment penalties
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Overall satisfaction rating
  • Available in Kansas City
  • Loans from $7,500-$40,000
  • Equal Housing lender
  • Apply online

Loan amounts from $5,000 to $50,000. Select from 24- to 60-month terms. APR from 8.99% to 35.99%. Requires 620 credit score. Origination fee up to 6.99%. No prepayment penalty.

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Waldo Financial
  • $100-$2,000 loans
  • Cash advance
  • Installment loans
  • Payday loans
8437 Wornall Rd.
Kansas City, MO 64114
(816) 333-6800
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Mazuma Credit Union
  • Terms up to 60 months
  • $3,000-$30,000 loans
  • XtraCash loan
  • Fixed term & fixed rate
1910 Main St.
Kansas City, MO 64108
(913) 574-5000
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CommunityAmerica Credit Union
  • M-Sat: 9am - 5pm
  • Closed Sun
  • communityamerica.com
5041 Main St.
Kansas City, MO 64112
(913) 905-7000
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • nbkc.com
8320 Ward Pkwy.
Kansas City, MO 64114
(816) 965-1400
TitleMax Title Loans
Overall satisfaction rating
  • M-F: 9am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
  • titlemax.com

Consumers can get approved for car and motorcycle title loans up to $10,000 in about 30 minutes with no prepayment penalty. The company has been in business 15 years, has over 1,000 locations and offers competitive interest rates.

4100 Independence Ave.
Kansas City, MO 64110
(816) 241-0829
Mainstreet Credit Union
  • M-F: 9am - 6pm
  • Sat: 9am - 12:30pm
  • Closed Sun
  • mainstreetcu.org
234 NE Barry Rd.
Kansas City, MO 64115
(913) 599-1010
Cornerstone Bank
  • M-F: 7:30am - 6pm
  • Sat: 9am - 12pm
  • Closed Sun
  • cornerstonebk.com
9120 W. 135th St.
Overland Park, KS 66221
(913) 239-8100

How a personal loan in Kansas City can help you

Kansas City skyline

Over the past three years, Kansas City’s employment growth has outpaced the country as a whole, bringing an influx of residents. This has caused a high demand for housing, and many residents have decided to renovate their homes rather than search for another home to buy. Personal loans are a great way to finance these renovations.

Also costly, medical debt is an increasing problem. A consumer health survey in 2017 found that more than a million residents of Kansas and Missouri live in households with medical debt and many have trouble paying their bills. A personal loan can help your tight finances.

There are a few types of personal loans in Kansas City, including:

  • Unsecured loan (requires no collateral)
  • Secured loan (requires collateral)
  • Debt consolidation (refinances existing unsecured debt)
  • Payday loan (a small sum of instant cash at a high interest rate)
  • Peer-to-peer lending (borrowing from a company online)

How to get a personal loan in Kansas City

To apply for a personal loan, a potential lender will need your:

  • Approval to check your credit score
  • Annual income
  • Debt-to-income ratio
  • Employer name and information
  • Monthly rent or mortgage information

If you have bad credit, personal loans are still available, but will come with higher interest rates. Get quotes from lenders who serve those with bad credit, but make sure they are trusted and recommended. You can also get a cosigner who agrees to repay your loan if you cannot.

Unsecured personal loans do not require collateral (like a house or car) and are paid back in fixed payments based on your state’s limits. You can get pre-qualified for your loan online and use that to compare rates from a variety of lenders to find the best deal. Before signing a contract, make sure you read the fine print on each offer, including APR, penalties and payment options.

Personal Loans Reviews

Personal Loan Pro

Personal Loan Pro shows you offers from multiple lenders and helps you borrow from $1,000 to $50,000. Rates are as low as 2.49% at the time of publishing. Start by answering questions about how much you want to borrow, your approximate credit score, your income and other details, and Personal Loan Pro searches for compatible lenders. If you’re approved, you can get cash as soon as the next business day. Over 5 million people have used Personal Loan Pro.

Personal Loan Pro

Best Egg

Best Egg offers a variety of personal loans from $2,000 to $35,000 with low APRs. Qualified applicants can receive funds in one day. Customers in Kansas City spoke positively about the simple and convenient online application process.

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LoanMe offers personal loans to Missouri residents from $600 to $30,000. Its online system can deliver cash in under four hours directly into your checking account for a small fee.



FreedomPlus offers simple, straightforward personal loans from $10,000 to $40,000. Customers get approved in one day and receive funds within three business days. APRs vary depending on your credit. A personal consultant will find you the best loan for your needs.


Waldo Financial

Located in Kansas City, Waldo Financial is a convenient and trusted name in cashing services. Waldo offers up to $2,000 in unsecured personal loans for those with high credit scores. Reviewers in Kansas City call Waldo dependable, helpful and superior to others in the area.

Waldo Financial

Mazuma Credit Union

Mazuma offers up to $30,000 in personal loans for up to 60 months. If you’re a Mazuma Credit Union member, they will also deposit your funds directly into your account. If you’re not, check out Mazuma’s convenient location in Overland Park that has been serving KC for over 65 years.

Mazuma Credit Union