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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

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 Kansas City
  • Loans from $7,500-$40,000
  • Equal Housing lender
  • Apply online

FreedomPlus is an online loan broker that provides loans from $7,500 to $40,000. Get approved in less than a day, and you could receive funds in as little as 48 hours.

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LoanMe
Overall satisfaction rating
  • Available in Missouri only
  • 7-day cancelation window
  • $2,600-$100,000 loans
  • No prepayment penalties

LoanMe offers unsecured installment loans to consumers and businesses. The company's primary focus is to provide personal or small business lending solutions. The company offers loans from $2,600 to $100,000 for purposes such as debt consolidation or costs associated with starting a new business. LoanMe streamlines the loan application process, making it easier for consumers.

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Waldo Financial
  • $100-$2,000 loans
  • Cash advance
  • Installment loans
  • Payday loans
Location
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
Location
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
Location
5041 Main St.
Kansas City, MO 64112
(913) 905-7000
NBKC Bank
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • nbkc.com
Location
8320 Ward Pkwy.
Kansas City, MO 64114
(816) 965-1400
Accredited Partner
TitleMax Title Loans
Overall satisfaction rating
  • M-F: 9am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
  • titlemax.com

TitleMax was founded in Georgia in 1998 and is now one of the largest title lenders in the United States with more than 1,000 locations in 17 states across the United States. The company offers title loans and title pawns for cars and motorcycles.

Location
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
Location
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
Location
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

Accredited Partner

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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Accredited Partner

FreedomPlus

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.

FreedomPlus

LoanMe

LoanMe offers personal loans to Missouri residents from $2,600 to $10,000 that come with a no-worry guarantee. If you change your mind within seven days, they will waive all interest and fees. Its online system can deliver cash in under four hours directly into your checking account for a small fee.

LoanMe

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