Personal Loans Personal loans to fit your needs Apply for a UMB personal loan with a competitive interest rate to help with your financial goals. SVG Lower-rate alternative to credit cards If you have a current UMB deposit account¹, an unsecured personal loan may be useful to pay down or consolidate debt, cover an unexpected expense, or fund a special project or purchase. SVG Simpler process than other lending solutions We can help finance whatever life throws your way. SVG No collateral required For loans between $5,000 to $25,000² Apply now Image Image Personal Debt Consolidation Calculator Use this debt consolidation calculator to determine how much interest you might save with a new loan. Use calculator ACCOUNT FEATURES SVG Convenient online account management SVG Transparent fees and charges SVG One-on-one financial review and assistance Other Products and Services Checking Credit Cards Financial Planning Home Equity Loans Financial Education Calculators View All Subject to credit and collateral approval. Must be a current UMB customer. Must be 18 years or older to apply. No discounts apply. Additional terms and conditions may apply. See a UMB personal banker for more information.