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Best Personal Loans in Kansas

MoneyGeek found that LightStream offers the best personal loans in Kansas. LightStream has an autopay discount, no late fees and an A+ rating from the BBB.

MoneyGeek also found that Upstart is the best for individuals with bad credit, SoFi is the ideal option for those with good credit, Upgrade is great for debt consolidation and Best Egg is suitable for home renovation projects.

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Last Updated: 11/22/2022
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MoneyGeek’s Pick for Best Personal Loan Lender in Kansas: LightStream

When comparing the best personal loans in Kansas, MoneyGeek evaluated more than 30 different data points, including BBB ratings, loanable amounts, repayment options and interest rates.

In our analysis of the best personal loans in Kansas, extra charges like origination fees, late payment and prepayment fees were analyzed for better comparison. We also identified the minimum credit scores required by each lender to see which ones are best based on if you have good or bad credit. We also looked at which lenders offer the lowest and highest interest rates for those planning to consolidate their debts through a personal loan or those looking to renovate their homes.

Best Overall Personal Loan Lender in Kansas: LightStream


  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds

    on LightStream Website

Best Personal Loan Lender for Bad Credit in Kansas: Upstart


  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    on Upstart Website

Best Personal Loan Lender for Good Credit in Kansas: SoFi


  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds

    on SoFi Website

Best Personal Loan Lender for Debt Consolidation in Kansas: Upgrade


  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds

    on Upgrade Website

Best Personal Loan Lender for Home Improvement in Kansas: Best Egg


  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    on Best Egg Website

How to Choose the Best Personal Loan Lender in Kansas for You

In Kansas, the average personal loan debt is $18,093. However, your loan amount will vary depending on your current financial needs. Taking out a personal loan is a big financial decision that takes careful planning. Here is a step-by-step guide to follow as you consider applying:

1

Ask Yourself the Important Questions

If you are going through financial hardships, a personal loan can be one of the first options that come to mind. Since you are about to make a big financial decision, you want to think about whether a personal loan is right for you. Some other things you want to consider are the following:

  • How much funding do you need? - Take the time to understand your exact needs so you can apply for the right funding amount.
  • What is your credit score? - Know your credit score so that you apply with lenders that will accept your score.
  • Can you afford the monthly payment? - Evaluate if it makes sense to add an additional expense to your monthly bills.
  • How much debt do they already have? - Think about whether increasing your debt load is a wise decision based on the current debt you need to pay off.
2

Do Your Research

Finding the best personal loan in Kansas takes a lot of research, and MoneyGeek can help. We compared different loan packages from multiple lenders to help you find which ones offer the lowest interest rates and most flexible loan terms. While our resources can be helpful, exploring your options beyond our list is also recommended.

Be careful during your inquiries because some lenders may do hard credit checks that can affect your credit scores to some degree. Do your research on the specific lenders’ interest rates, loan terms and other factors that could affect your odds of getting approved.

3

Wait

Even if you think you found the right lender for your needs, you do not need to apply immediately. Wait it out for a couple of days and think it through carefully. Determine if taking out a personal loan is the right option for you or if there are other solutions to your financial needs that could make more sense.

4

Read the Fine Print

The fine print lets you know about added fees from interest rates, APR, origination fees, prepayment fees and others. Comparing the fine print of different loan packages lets you determine which one is the better deal. During this process, you also want to decide how long you plan to take to pay off your debt and whether you can commit to that duration of time.

5

Apply

You should only apply for a personal loan in Kansas if you think it is the best solution to your financial needs. After going through these steps, you should have a solid grasp of that. If it is the right option for you, lenders will require you to give personal information during your application process. This can include verifying your income, your address, confirming your identity and more. You can apply online or, if the lender has physical locations, you can apply in person. This can help you get any additional questions you may have answered.

What to Do if You Can’t Get a Personal Loan in Kansas

Some of the most common reasons lenders deny a loan application are having low credit scores, insufficient income or a loan purpose mismatch. Don’t worry if your loan application is denied. There are things that you can do to get approved the second time you apply.

Take the time to contact your lender and ask about the specific reasons you were denied. You might be able to modify your application, such as lowering your loan amount or opting for a shorter loan term. If there’s no way to change their mind, just knowing the factors that you can improve on increases your chance of getting approved elsewhere.

Secondly, there are many other loan options to explore depending on your specific financial need. If you need to finance a business, an unsecured business loan may be a much better solution than a personal loan. Alternatively, if you plan to fund post-secondary education, taking out a student loan is probably more suitable.

That said, you want to avoid payday loans. This type of loan often has the highest interest rate and you need to repay it in the shortest amount of time possible.

Frequently Asked Questions About Personal Loans in Kansas

If you want to know more about personal loans in Kansas, take a look at the following frequently asked questions from borrowers.

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METHODOLOGY

We reviewed more than 30 personal loan lenders using 35+ individual data points across six key categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

Within each ranking criteria category, we considered several individual data points that we feel carry the most weight when choosing a personal loan lender. These factors include APR ranges, available loan amount, minimum credit score, minimum income amount, application fees and disbursement time.

Here at MoneyGeek, we value you, the consumer, so we also factor in each lender’s customer support, business ratings and additional features that could make your experience easier and more accessible — like prequalification, payment options and mobile apps.

After careful consideration and calculation, our picks are decided and chosen with your best interest in mind. Our personal loan recommendations and expert tips are meant to help you make the best decision when choosing a lender that meets your needs.

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The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity.