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Personal Loans

The Best Rates on Personal Loans!

It’s not exactly groundbreaking to say, “Life happens.” And there are many times you might need extra cash: surprise auto repairs, family vacations, weddings, funerals, medical bills. In times like these, Missouri Central Credit Union is here with a personal loan for you!

Great Rates, Quick Decisions

At Missouri Central Credit Union, we offer some of the most competitive personal loan rates around without all the red tape!

Our low interest loans offer the ability to make home updates, replace major appliances, or cover whatever unexpected expenses life throws your way. Each personal loan with MCCU includes:

  • No application fee
  • No prepayment penalties
  • Your choice of payment date
  • Top tier payment protection plans

Member service representatives are available to discuss our personal loans and answer any questions you may have. But more importantly, we’ll work through this financial decision with you to figure out the option that fits you best.

Time is money, and our quick process means a quick answer and an almost quicker payout. Visit us in person at our Lee’s Summit branch or apply online now.

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Personal loans are unsecured, which means they don’t have – or require – collateral, unlike an auto loan or mortgage. With a personal loan, you borrow a specific, set dollar amount that’s given to you in one lump sum with a fixed repayment plan at a fixed interest rate.

Regardless of the reason for your loan, there are other advantages to borrowing than cash in hand.

  • Quick Decisions: Personal loan applications are easy and typically turned around quickly, which is kind of a must for vehicle repairs or medical expenses.
  • No Collateral is Required: Like we said, a personal loan is an unsecured loan. You don’t need to provide any collateral like you would for a secured loan.
  • Fixed Interest Rate: Personal loans are great alternatives to credit cards—especially when credit card interest rates average over 24.00%. Personal loans let you lock in a set interest rate (unlike a credit card’s interest rate that can change with minimal notice).
  • Fixed Payment Amount: In addition to set interest rates, payment amounts are also fixed, which makes personal loans easier to credit card payments that change with the card balance.

We don’t dislike credit cards—as a matter of fact, we even offer several! We just think personal loans are underrated. So whenever life happens, MCCU can help you work through it.

Let’s get started.

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Buyer Be Aware

Personal loans can be a great benefit in many cases, but they aren’t a magic fix for everything. If you use a personal loan to pay off other consumer debt, such as credit card debt, and continue to wrack up debts, it is possible to eventually max out your credit cards again. Then you’re back where you started, but now you have another loan payment on top of your previous obligations.

Any time you take on additional debt, it is important to make a careful decision that takes all options and possible outcomes into consideration. And Missouri Central Credit Union is ready and willing to work through that decision making process with you.

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