Best Personal Loan Rates in Minnesota - June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Minnesota borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Minnesota include: Genisys Credit UnionGenisys Credit Union3300 Central Park Village Dr, Eagan, MN, 55121 7707A+5.0 ★Texas Ratio: 4.68% offering Balance Transfer Loan at 3.99% APR, Lake Central BankLake Central Bank2010 Minnesota Ave, Benson, MN, 56215A+5.0 ★Texas Ratio: 1.05% offering Credit Builder Loan at 4.01% APR, Baxter Credit UnionBaxter Credit Union2 Scimed Pl, Maple Grove, MN, 55311 1565A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Hibbing Cooperative Credit UnionHibbing Cooperative Credit Union217 W 42nd St, Hibbing, MN, 55746A+5.0 ★Texas Ratio: 0.97% offering New - No Miles Loan at 4.59% APR, and Expedition Credit UnionExpedition Credit Union14989 Florence Trl, Apple Valley, MN, 55124A+5.0 ★Texas Ratio: 2.24% offering 2021 and newer Loan at 4.74% APR. Personal loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Minnesota side-by-side. Minnesota personal loan rates currently start as low as 3.99% APR from Genisys Credit Union at 3300 Central Park Village Dr, Eagan, MN, 55121 7707. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Minnesota. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: June 16, 2026
Minnesota Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Balance Transfer Loan
3.99%
▼
APR3.99%
Last UpdatedJune 19, 2026
Details
As low as 3.99% APR* for 12 Months. APR is Annual Percentage Rate. Click for details.
Lake Central Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
2010 Minnesota Ave, Benson, MN, 56215
Credit Builder Loan
4.01%
▼
APR4.01%
Last UpdatedJune 19, 2026
Details
Annual Percentage Rate. The interest rate is 4.000% (4.009% ARP) is based on a $1,000 personal loan secured by $1,000 held in a Lake Central Bank savings account, with the loan payment term being twelve (12) months. Rates effective as of 3/1/2019 and are subject to change without notice.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedJune 19, 2026
Details
No additional details available.
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
New - No Miles Loan
4.59%
▼
APR4.59%
Last UpdatedJune 19, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedJune 19, 2026
Details
As Low As
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
New - No Miles Loan
4.69%
▼
APR4.69%
Last UpdatedJune 19, 2026
Details
No additional details available.
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Loan
4.74%
▼
APR4.74%
Last UpdatedJune 19, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedJune 19, 2026
Details
As Low As
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
4.87%
▼
APR4.87%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months - 0-2 years Loan
4.87%
▼
APR4.87%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months - 0-2 years Loan
4.94%
▼
APR4.94%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
4.94%
▼
APR4.94%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months - 0-2 years Loan
4.94%
▼
APR4.94%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
4.94%
▼
APR4.94%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
NEW - Recreational Loan
4.99%
▼
APR4.99%
Last UpdatedJune 19, 2026
Details
Over $7,000
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
New Recreational Loan
4.99%
▼
APR4.99%
Last UpdatedJune 19, 2026
Details
As Low As
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Loan
4.99%
▼
APR4.99%
Last UpdatedJune 19, 2026
Details
As Low As
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
360 Sherman St, Saint Paul, MN, 55102
Scholar Loan
5.00%
▼
APR5.00%
Last UpdatedJune 19, 2026
Details
Maximum loan amount is $5,000. Co-signer may be required. Loan Funds will be deposited into an AHCU Checking Account. Supports students with little to no credit history.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months - 0-2 years Loan
5.06%
▼
APR5.06%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months Loan
5.06%
▼
APR5.06%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months - 0-2 years Loan
5.07%
▼
APR5.07%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
5.07%
▼
APR5.07%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months - 0-2 years Loan
5.11%
▼
APR5.11%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
5.11%
▼
APR5.11%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months - 3-5 years Loan
5.12%
▼
APR5.12%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
5.12%
▼
APR5.12%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
5.19%
▼
APR5.19%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
5.19%
▼
APR5.19%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months - 3-5 years Loan
5.19%
▼
APR5.19%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months - 3-5 years Loan
5.19%
▼
APR5.19%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
84 Months - 0-2 years Loan
5.20%
▼
APR5.20%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
84 Months Loan
5.20%
▼
APR5.20%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
NEW - Recreational Loan
5.24%
▼
APR5.24%
Last UpdatedJune 19, 2026
Details
$4,000-$7,000
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Loan
5.24%
▼
APR5.24%
Last UpdatedJune 19, 2026
Details
As Low As
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months - 3-5 years Loan
5.31%
▼
APR5.31%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months Loan
5.31%
▼
APR5.31%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
5.32%
▼
APR5.32%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months - 3-5 years Loan
5.32%
▼
APR5.32%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months - 3-5 years Loan
5.36%
▼
APR5.36%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
5.36%
▼
APR5.36%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
USED - Recreational Loan
5.39%
▼
APR5.39%
Last UpdatedJune 19, 2026
Details
$8,000+
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
2021 & Newer Loan
5.49%
▼
APR5.49%
Last UpdatedJune 19, 2026
Details
No additional details available.
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
NEW - Recreational Loan
5.49%
▼
APR5.49%
Last UpdatedJune 19, 2026
Details
Under $4,000
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN, 55075 2421
Recreational Loans
5.49%
▼
APR5.49%
Last UpdatedJune 19, 2026
Details
Your actual rate may vary depending on creditworthiness and other factors. Rates subject to change.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
5 Year Balloon Loan
5.52%
▼
APR5.52%
Last UpdatedJune 19, 2026
Details
as low as
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Construction Loans
5.52%
▼
APR5.52%
Last UpdatedJune 19, 2026
Details
As Low As
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months - 6-10 years Loan
5.62%
▼
APR5.62%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
5.62%
▼
APR5.62%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
USED - Recreational Loan
5.64%
▼
APR5.64%
Last UpdatedJune 19, 2026
Details
$4,000-$8,000
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
7 Year Balloon Loan
5.64%
▼
APR5.64%
Last UpdatedJune 19, 2026
Details
as low as
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months - 6-10 years Loan
5.69%
▼
APR5.69%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
5.69%
▼
APR5.69%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months - 6-10 years Loan
5.69%
▼
APR5.69%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
5.69%
▼
APR5.69%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Credit Builder Loan
5.74%
▼
APR5.74%
Last UpdatedJune 19, 2026
Details
As Low As; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
United Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
1407 W Highway 10, Dilworth, MN, 56529
Other Collateral Loan
5.75%
▼
APR5.75%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Personal Loan
5.75%
▼
APR5.75%
Last UpdatedJune 19, 2026
Details
As Low As; Loan Amount: Up to $10,000
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
2021 & Newer Loan
5.79%
▼
APR5.79%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months - 6-10 years Loan
5.81%
▼
APR5.81%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months Loan
5.81%
▼
APR5.81%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months - 6-10 years Loan
5.82%
▼
APR5.82%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
5.82%
▼
APR5.82%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months - 6-10 years Loan
5.86%
▼
APR5.86%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
5.86%
▼
APR5.86%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
USED - Recreational Loan
5.89%
▼
APR5.89%
Last UpdatedJune 19, 2026
Details
Under $4,000
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
600 W 3rd Ave N, Aurora, MN, 55705 1269
Personal Loans
5.90%
▼
APR5.90%
Last UpdatedJune 19, 2026
Details
As Low As; Rates as low as 5.9% for up to 36 months.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
2023 - newer Loan
5.99%
▼
APR5.99%
Last UpdatedJune 19, 2026
Details
As Low As
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
13283 Isle Dr, Baxter, MN, 56425 8554
Construction Loans
5.99%
▼
APR5.99%
Last UpdatedJune 19, 2026
Details
Rates as low as
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.51%
4025 W Old Shakopee Rd, Bloomington, MN, 55437
Recreational Loans
5.99%
▼
APR5.99%
Last UpdatedJune 19, 2026
Details
No additional details available.
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
14989 Florence Trl, Apple Valley, MN, 55124
2021 and newer Loan
5.99%
▼
APR5.99%
Last UpdatedJune 19, 2026
Details
As Low As
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
380 Stockholm, Boyd, MN, 56218
UTV Loan
6.00%
▼
APR6.00%
Last UpdatedJune 19, 2026
Details
As Low As
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
Other Goods Loan
6.00%
▼
APR6.00%
Last UpdatedJune 19, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
10 Year Balloon Loan
6.01%
▼
APR6.01%
Last UpdatedJune 19, 2026
Details
as low as
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
2021 & Newer Loan
6.09%
▼
APR6.09%
Last UpdatedJune 19, 2026
Details
No additional details available.
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
Other Goods Loan
6.25%
▼
APR6.25%
Last UpdatedJune 19, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
6.35%
▼
APR6.35%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months - 10+ years Loan
6.37%
▼
APR6.37%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
6.37%
▼
APR6.37%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 10+ years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
6.38%
▼
APR6.38%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
6.43%
▼
APR6.43%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months - 10+ years Loan
6.44%
▼
APR6.44%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
6.44%
▼
APR6.44%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 10+ years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months - 10+ years Loan
6.44%
▼
APR6.44%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
6.44%
▼
APR6.44%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 10+ years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
6.45%
▼
APR6.45%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
2023 - newer Loan
6.49%
▼
APR6.49%
Last UpdatedJune 19, 2026
Details
As Low As
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
Other Goods Loan
6.50%
▼
APR6.50%
Last UpdatedJune 19, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months - 10+ years Loan
6.56%
▼
APR6.56%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months Loan
6.56%
▼
APR6.56%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 10+ years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months - 10+ years Loan
6.57%
▼
APR6.57%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
6.57%
▼
APR6.57%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 10+ years
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 16.30%
5825 Xerxes Ave N, Brooklyn Center, MN, 55430
Recreational Loans
6.59%
▼
APR6.59%
Last UpdatedJune 19, 2026
Details
Rates as low as 6.59% APR.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months - 10+ years Loan
6.62%
▼
APR6.62%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
6.62%
▼
APR6.62%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 10+ years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
6.63%
▼
APR6.63%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
84 Months Loan
6.71%
▼
APR6.71%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
2018 - 2022 Loan
6.74%
▼
APR6.74%
Last UpdatedJune 19, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
2023 - newer Loan
6.74%
▼
APR6.74%
Last UpdatedJune 19, 2026
Details
As Low As
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Personal Unsecured Loan
6.75%
▼
APR6.75%
Last UpdatedJune 19, 2026
Details
As Low As; *
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
6.79%
▼
APR6.79%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
6.80%
▼
APR6.80%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
6.82%
▼
APR6.82%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
6.84%
▼
APR6.84%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
6.85%
▼
APR6.85%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
6.88%
▼
APR6.88%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
801 11th St, Two Harbors, MN, 55616
5 years Loan
6.90%
▼
APR6.90%
Last UpdatedJune 19, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 19, 2026
Details
As Low As
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
8111 Lyndale Ave S, Bloomington, MN, 55420
Toro Equipment Loan
7.00%
▼
APR7.00%
Last UpdatedJune 19, 2026
Details
Receive rewards for purchasing Toro Equipment. Talk to us.
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
Other Goods Loan
7.00%
▼
APR7.00%
Last UpdatedJune 19, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
7.02%
▼
APR7.02%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
7.03%
▼
APR7.03%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
7.09%
▼
APR7.09%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
7.10%
▼
APR7.10%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
7.14%
▼
APR7.14%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
7.18%
▼
APR7.18%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
7.20%
▼
APR7.20%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months Loan
7.21%
▼
APR7.21%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
7.24%
▼
APR7.24%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-4 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
7.28%
▼
APR7.28%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-4 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
144 Months Loan
7.29%
▼
APR7.29%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
120 Months Loan
7.30%
▼
APR7.30%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
84 Months Loan
7.30%
▼
APR7.30%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months Loan
7.31%
▼
APR7.31%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
7.32%
▼
APR7.32%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
7.38%
▼
APR7.38%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
801 11th St, Two Harbors, MN, 55616
Up to 10 years Loan
7.40%
▼
APR7.40%
Last UpdatedJune 19, 2026
Details
As low as
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
7.42%
▼
APR7.42%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-4 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
84 Months Loan
7.46%
▼
APR7.46%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-5 years
Hibbing Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
217 W 42nd St, Hibbing, MN, 55746
2020 & Older Loan
7.49%
▼
APR7.49%
Last UpdatedJune 19, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
7.49%
▼
APR7.49%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-4 years
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
360 Sherman St, Saint Paul, MN, 55102
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedJune 19, 2026
Details
As Low As *
Northern Communities Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.70%
3311 W Arrowhead Rd, Duluth, MN, 55811 4065
Other Goods Loan
7.50%
▼
APR7.50%
Last UpdatedJune 19, 2026
Details
Rates start at; Your actual rate may be different depending on your payment and credit history.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
7.54%
▼
APR7.54%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-4 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
7.55%
▼
APR7.55%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-4 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months Loan
7.56%
▼
APR7.56%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
7.57%
▼
APR7.57%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-4 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
7.59%
▼
APR7.59%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 5-7 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
7.60%
▼
APR7.60%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-4 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
48 Months Loan
7.60%
▼
APR7.60%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
7.63%
▼
APR7.63%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 5-7 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
36 Months Loan
7.64%
▼
APR7.64%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
7.68%
▼
APR7.68%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
24 Months Loan
7.70%
▼
APR7.70%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
60 Months Loan
7.72%
▼
APR7.72%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-4 years
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Personal Unsecured Loan
7.75%
▼
APR7.75%
Last UpdatedJune 19, 2026
Details
As Low As; *
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
7.77%
▼
APR7.77%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 5-7 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
180 Months Loan
7.77%
▼
APR7.77%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
12 Months Loan
7.78%
▼
APR7.78%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 3-4 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
120 Months Loan
7.79%
▼
APR7.79%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 0-2 years
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
72 Months Loan
7.81%
▼
APR7.81%
Last UpdatedJune 19, 2026
Details
Vehicle Age: 6-10 years
Powered by
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Minnesota Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.75%
400 4th Ave NE, Austin, MN, 55912
Personal Loan
5.75%
▼
APR5.75%
Last UpdatedJune 19, 2026
Details
As Low As; Loan Amount: Up to $10,000
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
600 W 3rd Ave N, Aurora, MN, 55705 1269
Personal Loans
5.90%
▼
APR5.90%
Last UpdatedJune 19, 2026
Details
As Low As; Rates as low as 5.9% for up to 36 months.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 19, 2026
Details
As Low As
Powered by
MonitorBankRates
Minnesota Debt Consolidation Loan Rates
No debt consolidation personal loan rates found in Minnesota currently.
Minnesota Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
360 Sherman St, Saint Paul, MN, 55102
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedJune 19, 2026
Details
As Low As *
Powered by
MonitorBankRates
Minnesota Personal Loan Rate Trends
Compare local Minnesota personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — MN Avg
10.572%
▲ 0.094 vs 7 days ago
Minnesota personal loan rates rose 0.094 points over the past 7 days to 10.572% APR.
Signature Loan — MN Avg
10.599%
▼ 1.278 vs 7 days ago
Minnesota signature loan rates fell 1.278 points over the past 7 days to 10.599% APR.
As of Jun 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Minnesota personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Minnesota directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Minnesota. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MN.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Minnesota?
Most lenders in Minnesota require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Minnesota often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Minnesota require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Minnesota?
Yes. Debt consolidation is one of the most common uses of personal loans in Minnesota. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Minnesota?
Credit unions in Minnesota often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Minnesota?
- Genisys Credit Union: 3.99% (Balance Transfer Loan)
- Lake Central Bank: 4.01% (Credit Builder Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Hibbing Cooperative Credit Union: 4.59% (New - No Miles Loan)
- Expedition Credit Union: 4.74% (2021 and newer Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Minnesota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026.
