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Best Personal Loans in Kansas City

Updated 12/19/2018

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. Our partners at ConsumerAffairs researched the best personal loans in Kansas City to help you find the best option.

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#1 MOST POPULAR
Best Egg
Best Egg
VISIT WEBSITE
CALL FOR QUOTES
(877) 850-2322
Sponsored Ad Features
  • Available in Kansas City
  • Qualify in minutes
  • Won't impact your credit score
  • Select the term that works best for you
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#2
FreedomPlus
FreedomPlus
VISIT WEBSITE
CALL FOR QUOTES
(800) 368-0061
Sponsored Ad Features
  • Available in Kansas City
  • Loans from $7,500-$40,000
  • Equal Housing lender
  • Apply online
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#3
LoanMe
LoanMe
VISIT WEBSITE
CALL LOANME
(844) 725-7868
Sponsored Ad Features
  • Available in Missouri only
  • 7-day cancelation window
  • $2,600-$100,000 loans
  • No prepayment penalties
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Waldo Financial Waldo Financial Features
  • $100-$2,000 loans
  • Cash advance
  • Installment loans
  • Payday loans
Contact info
8437 Wornall Rd.
Kansas City, MO 64114
(816) 333-6800
Mazuma Credit Union Mazuma Credit Union Features
  • Terms up to 60 months
  • $3,000-$30,000 loans
  • XtraCash loan
  • Fixed term & fixed rate
Contact info
1910 Main St.
Kansas City, MO 64108
(913) 574-5000
CommunityAmerica Credit Union CommunityAmerica Credit Union Features
  • M-Sat: 9am - 5pm
  • Closed Sun
  • communityamerica.com
Contact info
5041 Main St.
Kansas City, MO 64112
(913) 905-7000
NBKC Bank NBKC Bank Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • nbkc.com
Contact info
8320 Ward Pkwy.
Kansas City, MO 64114
(816) 965-1400
TitleMax Title Loans TitleMax Title Loans Features
  • M-F: 9am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
  • titlemax.com
Contact info
4100 Independence Ave.
Kansas City, MO 64110
(816) 241-0829
Mainstreet Credit Union Mainstreet Credit Union Features
  • M-F: 9am - 6pm
  • Sat: 9am - 12:30pm
  • Closed Sun
  • mainstreetcu.org
Contact info
234 NE Barry Rd.
Kansas City, MO 64115
(913) 599-1010
Cornerstone Bank Cornerstone Bank Features
  • M-F: 7:30am - 6pm
  • Sat: 9am - 12pm
  • Closed Sun
  • cornerstonebk.com
Contact info
9120 W. 135th St.
Overland Park, KS 66221
(913) 239-8100

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KSHB may receive compensation from our partners. Learn more.

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Best Egg

Personal loans made fast & easy!

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(877) 850-2322
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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.

Best Egg

Best Egg (877) 850-2322

CALL 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.

VISIT BEST EGG
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FreedomPlus

FreedomPlus (800) 368-0061

CALL 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.

VISIT FREEDOMPLUS
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LoanMe

LoanMe (844) 725-7868

CALL 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.

VISIT LOANME
Sponsored Ad

Waldo Financial

Waldo Financial

M-Sat: 9am - 6pm, Closed Sun

waldofinancial.com

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.

Mazuma Credit Union

Mazuma Credit Union

M-Th: 9am - 5:30pm, F: 9am - 6pm, Sat: 9am - 1pm, Closed Sun

mazuma.org

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.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.