Personal Loans St. Louis


There's a Midwest BankCentre Personal Loan for All of Life’s Needs

Since 1906, we’ve been St. Louis’ premier community bank. We invest capital profitably in our whole community, and we reinvest our local deposits locally. At Midwest BankCentre, $95 out of every $100 deposited stays locally in the St. Louis region to build the St. Louis area businesses and families, and every dollar circulates six times throughout the regional economy, on average.

Midwest BankCentre's Personal Loan Products

Unsecured Personal Loan

Emergency Assistance Loan

Healthcare Assistance Loan

Secured Personal Loan

Physician Loan


Personal Loan Products


Whatever plans you have in mind, our Personal Loans can help you execute them. A Personal Loan from Midwest BankCentre may be the answer to your short-term borrowing needs. Our Personal Loans are perfect for:

  • Pay off high interest debt
  • Major purchases
  • Debt consolidation
  • Unexpected medical expenses
  • Special occasions

Plus, when you work with Midwest BankCentre, you know you're working with a lender who makes decisions locally.

Advantages of a Personal Loan

Personal loans offer numerous advantages that make them a popular choice for various financial needs. One key benefit is the flexibility they provide in using the loan amount for diverse purposes, such as debt consolidation, home improvement, or unexpected expenses. Unlike credit cards, personal loans often come with lower interest rates, especially for individuals with good credit. This lower interest rate can result in substantial savings over the loan term. Additionally, personal loans may offer fixed interest rates, providing predictability in monthly payments and protecting borrowers from fluctuations in the market.

Personal Loan Requirements

To secure a personal loan, borrowers typically need to meet certain requirements. A crucial factor is the individual's credit score, as lenders use it to assess the borrower's creditworthiness. Excellent credit often leads to better loan options, lower interest rates, and higher loan approval rates. However, individuals with less-than-perfect credit can still access personal loans, though they might face higher interest rates and more stringent approval criteria. The loan amount, repayment term, and interest rate are determined based on these factors. Additionally, borrowers need to provide necessary documentation, including proof of income, credit history, and other financial details. Understanding the terms, including any origination fee or prepayment penalties, is crucial for informed decision-making when choosing the best personal loan for one's needs.

What is the maximum loan amount for a Personal Loan?

The maximum loan amount for a personal loan can vary widely and is typically influenced by factors such as the borrower's creditworthiness, income, and the lending institution's policies. A borrower's credit score is a critical determinant in the approval process and can impact both the loan amount and interest rate offered. Individuals with excellent credit may qualify for higher loan amounts and lower interest rates, making it essential to maintain a good credit history.

Apply For A St. Louis Personal Loan

When considering applying for a St. Louis personal loan, it's important to navigate through the array of options available to meet your financial needs. Whether you have good credit or are dealing with bad credit, various lenders in St. Louis offer unsecured personal loans tailored to your credit approval. Secured personal loans, requiring collateral, may be available for those looking to leverage assets for potentially higher loan amounts. When exploring your loan options, pay attention to the minimum loan amount, ensuring it aligns with your specific requirements. Some financial institutions may also offer a share-secured loan or personal lines of credit linked to your personal credit card, providing flexibility in accessing funds. Be sure to review loan documents thoroughly, including any applicable fees and the interest rate structure, whether it's a fixed rate offering stability or variable options. Additionally, consider the convenience of direct deposit for efficient access to loan funds. For those with a focus on wealth management, seeking a personal loan with a lower interest rate can contribute to a well-rounded financial strategy. Midwest BankCentre is a reputable personal loan lender in St. Louis that understands your unique needs and provides transparent terms to make the borrowing process a positive and informed experience. Our lenders help you get to “yes,” meeting you where you are to get you where you want to be.

Unsecured Personal Loan 

You can use a personal loan for any purchase or project. This one-time funding can help cover vacations, home renovations, medical bills, or consolidating debts. Loan amounts range from $500-$25,000.

Emergency Assistance Loan 

The Emergency Assistance Loan is for those who have been impacted by an event or disaster and need help. This unsecured loan has no payments for the first 45 days.

Healthcare Assistance Loan

Our Healthcare Assistance Loan can be used to cover medical costs. The loan can be used to pay for virtually anything, from medical bills to your living expenses during recovery.

Secured Personal Loan

A secured personal loan lets you borrow money against the value of an asset like a car or savings.


We are here to help. Contact Us. We will be there with you every step of the way.

Please call us at (314) 631-5500 or toll free at (800) 894-1350

if you have any questions. 


About Midwest BankCentre

Midwest BankCentre is St. Louis's second-largest locally-owned bank with assets exceeding $2.3 billion and deposits of $1.8 billion. Midwest BankCentre employs a staff of about 280 working at bank locations throughout the St. Louis region.

We work to empower people, enable business and energize neighborhoods through the strength of our financial services, including personalized consumer and business banking, business cash management, St. Louis mortgage lending, home equity loans, financial planning and investments, insurance, and digital banking. We customize our banking solutions for each and every customer, offering a comprehensive list of products at competitive rates and fees. We provide personalized services that meet your unique needs to help you achieve your goals.

We are committed to making meaningful, long-term investments in communities that lift everyone up so we can all RISE TOGETHER.

Awards and Recognition


Midwest BankCentre is honored to receive numerous awards celebrating the strength of our Bank, the work that we do, and the talent of our team. But winning awards is not the point. Our hope is that through these awards, people will see our work to improve local conditions that advance our region and join us by opening savings, checking, and loan accounts so that we can continue to help everyone step into their dreams.

Rated 5-Star Superior for Financial Strength & Stability by BauerFinancial: Midwest BankCentre is one of the few banks in St. Louis to consistently receive the prestigious 5-Star Rating for financial strength & stability from BauerFinancial (