Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / MO
Personal loans, banking, insurance, and debt help in Missouri
Missourians use personal loans to consolidate credit card debt, cover emergencies, fund home improvements, or pay for major life events, with both unsecured and secured options available.
36lenders in the dataset
MOstate guide
$1,340/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Missouri
Missourians use personal loans to consolidate credit card debt, cover emergencies, fund home improvements, or pay for major life events, with both unsecured and secured options available.
Interest-rate law
Missouri lets licensed installment lenders (small loan companies or consumer installment lenders) and borrowers simply agree on a rate, with no percentage ceiling for loans of $500 and up structured as installment loans. Only short-term (14-31 day) payday-style loans of $500 or less are capped, at 75% of principal in total fees/interest.
| Loan range | Rate | Statute |
|---|---|---|
| Loans of $500+ via small loan company (Ch. 367) or consumer installment lender (§408.510) | No statutory ceiling; market rate | Ch. 367 / §408.510 |
| Payday-style loans, $500 or less, 14-31 day term | Fees/interest capped at 75% of principal (APR as high as ~1,950%; average ~400-450%) | Not specified in dataset |
Lender complaints: Missouri Division of Finance
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
Happy Money
- Credit profile
- Good
- APR range
- 7.95% – 35.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Reach Financial
- Credit profile
- Not specified
- APR range
- 5.99% – 35.99%
- Loan amount
- $3,500 – $40,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Fair credit
60MonthLoans
- Credit profile
- Fair
- APR range
- 25% – 36%
- Loan amount
- $2,600 – $10,000
Fair credit
Achieve
- Credit profile
- Fair
- APR range
- 6.25% – 35.99%
- Loan amount
- $5,000 – $50,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank (formerly LendingClub)
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
CreditNinja
- Credit profile
- Poor
- APR range
- 195.75% – 349%
- Loan amount
- $300 – $5,000
Poor or limited credit
Fig Loans
- Credit profile
- Poor
- APR range
- 190% – 209%
- Loan amount
- $300 – $500
Poor or limited credit
Kwikcash
- Credit profile
- Not specified
- APR range
- 99% – 499%
- Loan amount
- $250 – $1,000
Poor or limited credit
Mariner Finance
- Credit profile
- Poor
- APR range
- 15.49% – 35.99%
- Loan amount
- $1,000 – $25,000
Poor or limited credit
MoneyKey
- Credit profile
- Poor
- APR range
- 295% – 401.20%
- Loan amount
- $200 – $2,500
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Personify Financial
- Credit profile
- Poor
- APR range
- 36% – 179.50%
- Loan amount
- $500 – $15,000
Poor or limited credit
Rise
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
Poor or limited credit
Security Finance
- Credit profile
- Not specified
- APR range
- N/A – 124.48%
- Loan amount
- $477 – $2,500
Poor or limited credit
World Finance
- Credit profile
- Poor
- APR range
- N/A – 99%
- Loan amount
- $450 – $12,000
03 / Debt consolidation
Debt consolidation
Since Missouri doesn't cap rates for licensed installment lenders, there's no legal ceiling protecting borrowers from a consolidation loan priced at or above their existing credit card APR, so shopping around and comparing the actual math matters more than in capped states.
04 / Banking and credit unions
Banking in Missouri
National banks offer scale and convenience while Missouri-based regional and community banks compete on relationship banking and local decision-making.
Banks listed
- US BankNational bank, headquartered in Minneapolis, MN.
- Commerce BankHeadquartered in Kansas City, MO.
- UMB BankHeadquartered in Kansas City, MO.
- Bank of AmericaNational bank.
- ChaseNational bank.
- Central BankHeadquartered in Jefferson City, MO.
- Great Southern BankHeadquartered in Springfield, MO.
Credit unions
Missouri credit unions are member-owned, not-for-profit institutions that often post lower rates and fewer fees than banks, with membership tied to location, employer, or association.
Median membership growth of about 4.4% year over year (Q4 2025 NCUA data), versus a national median of about -0.5%.
Traces to 1927 with First Missouri Credit Union, the state's first chartered institution; ranked 9th nationally in state-chartered credit unions as of mid-2025. Arsenal Credit Union began in 1948 as Aero Chart Credit Union serving a U.S. government mapping agency in St. Louis. Missouri created a bipartisan Credit Union Commission in 1998 to advise on chartering and field-of-membership decisions.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal; Missouri requires registration for debt relief providers under Mo. Rev. Stat. § 425.010 et seq. No clearly documented fee cap or cooling-off period beyond the federal Telemarketing Sales Rule's advance-fee ban.
Companies listed in the dataset
06 / Insurance
Missouri insurance
Regulator
Missouri Department of Insurance
Insurance regulator websiteAuto insurance
25/50/25
Missouri requires liability insurance of $25,000 per person/$50,000 per accident bodily injury, plus $25,000 property damage, and also requires uninsured motorist coverage.
Homeowners and renters
$1,340/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $171/yr
Severe thunderstorms, tornadoes, and hail given the state's position in Tornado Alley's eastern extension, plus periodic flooding along the Missouri and Mississippi rivers.
07 / Questions
Missouri FAQs
How do I file a complaint against a lender in Missouri?
Contact the Missouri Division of Finance, which licenses and supervises consumer lenders operating in Missouri.
How do I file a complaint against my insurance company in Missouri?
File with the Missouri Department of Insurance.
What's the maximum interest rate a lender can legally charge on a personal loan in Missouri?
For licensed installment lenders, there isn't one; the lender and borrower simply agree on a rate. The exception is short-term payday-style loans of $500 or less, capped at 75% of principal in total fees and interest, working out to a maximum legal APR around 1,950% on a two-week loan.
What credit score do I need for a personal loan in Missouri?
It depends on the lender. Banks and credit unions generally want a FICO score of 700+, FinTech lenders work with fair credit (low-to-mid 600s), and some lenders serve poor/limited credit at higher APRs.
Are payday loans legal in Missouri, and are there caps on fees or loan amounts?
Yes. Payday loans are capped at $500, 14-31 day term, with fees/interest capped at 75% of principal (APR as high as ~1,950%, average closer to 400%). Borrowers can renew up to six times, reducing principal by at least 5% each time, with one outstanding loan per lender.
How long can a debt collector legally pursue an unpaid debt in Missouri before the statute of limitations runs out?
Written contracts have a 10-year statute of limitations (RSMo § 516.110); oral contracts and open accounts have a 5-year window (RSMo § 516.120). A payment or written acknowledgment can restart the clock.
What's the difference between a debt consolidation loan and debt settlement for someone living in Missouri?
A consolidation loan pays off debts in full with new borrowed money at a lower rate; settlement negotiates a reduced payoff but requires halting payments first, damaging credit, with forgiven debt potentially taxable. In uncapped Missouri, comparing the actual math on a consolidation offer matters more than in capped states.
