Personal loans in Union, MO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union, MO.
The median household in Union earns $73,435 a year, about the same as the Missouri median of $70,702. About 8% of residents live below the federal poverty line, and 39.4% of households rent their home.
Missouri law that applies in Union
| Rate cap | Missouri sets no maximum interest rate on these loans: lenders may charge simple interest on the unpaid balance at rates agreed to by the parties. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Small loan licensees may lend any amount of $500 or more; there is no upper limit. |
Full rules with statute citations: Personal Loans in Missouri. Cities in Missouri cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Union
Here's what to have on hand before you start your personal loan request in Union:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Union
What Union borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Union
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Union
8 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| United Bank of Union | 3 | 15 E Main St, Union 63084 |
| Heritage Community Bank | 1 | 100 E Locust St, Union 63084 |
| U.S. Bank National Association | 1 | 201 S Oak St, Union 63084 |
| Legends Bank | 1 | 410 Us Highway 50 E, Union 63084 |
| PNC Bank, National Association | 1 | 509 Us Highway 50 W, Union 63084 |
| SULLIVAN BANK | 1 | 351 S Oak St, Union 63084 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Franklin County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| First Community | 1701 A Roy Dr, Washington 63090 |
| St. Louis Community | 170 S Service Rd E, Sullivan 63080 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Franklin County · Payday Loans in Union · Title Loans in Union
Frequently asked questions
Can I get a personal loan with bad credit in Union?
Possibly. Lenders in our network consider applicants with fair and bad credit across Missouri, including Union. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Union, MO?
No rate cap: licensed lenders may charge rates agreed by the parties.
How fast can I get a personal loan in Union?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Union residents can see their options in about 3 minutes.
Where can I find a loan for bad credit in Union?
You can apply at local banks and lenders in Union, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How do installment loans work in Union?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Union residents can see installment loan offers with our free 3-minute form.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Union borrowers who qualify.
Can I get a personal loan in Union with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Union residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Union?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.