Best Personal Loan Rates in Minnesota (MN) - May 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: Alexandria Schools Employees Credit UnionAlexandria Schools Employees Credit Union2303 E Golf Course Rd NE, Alexandria, MN, 56308A+5.0 ★Texas Ratio: 2.54% offering Share Loan at 4.00% 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, TopLine Financial Credit UnionTopLine Financial Credit Union9353 Jefferson Hwy, Maple Grove, MN, 55369A5.0 ★Texas Ratio: 6.64% offering Drive 4 Less Loans 2022 & Newer at 4.49% APR, Baxter Credit UnionBaxter Credit Union2 Scimed Pl, Maple Grove, MN, 55311 1565A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and My Credit Union Bloomington, MNMy Credit Union Bloomington, MN4025 W Old Shakopee Rd, Bloomington, MN, 55437A5.0 ★Texas Ratio: 7.81% offering Recreational Loans at 4.74% APR. Personal loan rates as of May 5, 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 4.00% APR from Alexandria Schools Employees Credit Union at 2303 E Golf Course Rd NE, Alexandria, MN, 56308. 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: May 5, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Share Loan
4.00%
▼
APR4.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
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 UpdatedMay 5, 2026
Details
No additional details available.
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Share Loan
4.15%
▼
APR4.15%
Last UpdatedMay 5, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Drive 4 Less Loans 2022 & Newer
4.49%
▼
APR4.49%
Last UpdatedMay 5, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMay 5, 2026
Details
As Low As
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
4025 W Old Shakopee Rd, Bloomington, MN, 55437
Recreational Loans
4.74%
▼
APR4.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMay 5, 2026
Details
As Low As
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Drive 4 Less Loans 2021
4.99%
▼
APR4.99%
Last UpdatedMay 5, 2026
Details
As Low As
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Drive 4 Less Loans 2022 & Newer
4.99%
▼
APR4.99%
Last UpdatedMay 5, 2026
Details
As Low As
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
360 Sherman St, Saint Paul, MN, 55102
Scholar Loan
5.00%
▼
APR5.00%
Last UpdatedMay 5, 2026
Details
Qualifications Required: Current Enrollment at community colleges, technical colleges, vocational colleges, and public and private universities; Existing or New Checking account required; Must enroll in automatic loan payment (can be an external account); Maximum loan amount is $5,000; co-signer may be required
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
18146 198th Ave NW, Big Lake, MN, 55309 4653
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedMay 5, 2026
Details
This APR will vary with the market based on the dividend rate.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.99%
400 4th Ave NE, Austin, MN, 55912
Construction Loans
5.27%
▼
APR5.27%
Last UpdatedMay 5, 2026
Details
as low as
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Drive 4 Less Loans 2022 & Newer
5.39%
▼
APR5.39%
Last UpdatedMay 5, 2026
Details
As Low As
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Drive 4 Less Loans 2021
5.49%
▼
APR5.49%
Last UpdatedMay 5, 2026
Details
As Low As
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Drive 4 Less Loans 2022 & Newer
5.49%
▼
APR5.49%
Last UpdatedMay 5, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Credit Builder Loan
5.74%
▼
APR5.74%
Last UpdatedMay 5, 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.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Drive 4 Less Loans 2022 & Newer
5.79%
▼
APR5.79%
Last UpdatedMay 5, 2026
Details
As Low As
Citizens Independent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
5000 W 36th St, Saint Louis Park, MN, 55416
Equipment Loan Special
5.79%
▼
APR5.79%
Last UpdatedMay 5, 2026
Details
New
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Drive 4 Less Loans 2021
5.89%
▼
APR5.89%
Last UpdatedMay 5, 2026
Details
As Low As
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.59%
600 W 3rd Ave N, Aurora, MN, 55705 1269
Personal Loan
5.90%
▼
APR5.90%
Last UpdatedMay 5, 2026
Details
As Low As; including up to 36 months and rates as low as 5.9%.
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
13283 Isle Dr, Baxter, MN, 56425 8554
Construction Loans
5.99%
▼
APR5.99%
Last UpdatedMay 5, 2026
Details
As Low As
Riverview Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
115 Hardman Ave S, South Saint Paul, MN, 55075 2421
Recreational Loans
5.99%
▼
APR5.99%
Last UpdatedMay 5, 2026
Details
As Low As
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Drive 4 Less Loans 2021
5.99%
▼
APR5.99%
Last UpdatedMay 5, 2026
Details
As Low As
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
502 E 2nd St, Duluth, MN, 55805 1913
Construction Loans
6.00%
▼
APR6.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Drive 4 Less Loans 2021
6.29%
▼
APR6.29%
Last UpdatedMay 5, 2026
Details
As Low As
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Personal Unsecured 24 Months
6.75%
▼
APR6.75%
Last UpdatedMay 5, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 5, 2026
Details
As Low As
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
8111 Lyndale Ave S, Bloomington, MN, 55420
Toro Equipment Loan
7.00%
▼
APR7.00%
Last UpdatedMay 5, 2026
Details
Receive rewards for purchasing Toro Equipment. Talk to us.
St Paul Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1330 Conway St Ste 200, Saint Paul, MN, 55106
Up to 80% Loan-to-Value
7.25%
▼
APR7.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Catholic United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3499 LEXINGTON AVE N, SAINT PAUL, MN, 55126
Equifast Loans
7.25%
▼
APR7.25%
Last UpdatedMay 5, 2026
Details
As Low As; Annual Percentage Rate (APR). Rate as low as Prime +0.50%, Prime +1.00%, Prime +1.50%. Rate is determined by credit worthiness and LTV (loan-to-value) percentages. Closing costs may vary.
Associated Healthcare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
360 Sherman St, Saint Paul, MN, 55102
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedMay 5, 2026
Details
As Low As; Apply Today
St Paul Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1330 Conway St Ste 200, Saint Paul, MN, 55106
Up to 80% Loan-to-Value
7.75%
▼
APR7.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Pipefitters Steamfitters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6445 Lake Road Ter Ste 100, Woodbury, MN, 55125 1495
Personal Unsecured 48 Months
7.75%
▼
APR7.75%
Last UpdatedMay 5, 2026
Details
As Low As
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
130 23rd Ave SW, Rochester, MN, 55902
Solar Loan
7.99%
▼
APR7.99%
Last UpdatedMay 5, 2026
Details
As Low As; Rates effective as of 04-27-2026
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Signature & Lifestyle Loans
8.24%
▼
APR8.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
St Paul Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1330 Conway St Ste 200, Saint Paul, MN, 55106
Over 80% Loan-to-Value
8.25%
▼
APR8.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
14601 27th Ave N, Plymouth, MN, 55447
Adoption Loan
8.49%
▼
APR8.49%
Last UpdatedMay 5, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Machinery/Equipment Loan
8.74%
▼
APR8.74%
Last UpdatedMay 5, 2026
Details
As Low As; A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $20.63 per $1,000 borrowed at 8.74% for 60 months. Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999
St Paul Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1330 Conway St Ste 200, Saint Paul, MN, 55106
Over 80% Loan-to-Value
8.75%
▼
APR8.75%
Last UpdatedMay 5, 2026
Details
No additional details available.
Greater Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
380 Stockholm, Boyd, MN, 56218
Personal Unsecured
8.75%
▼
APR8.75%
Last UpdatedMay 5, 2026
Details
As Low As; Fixed rates as low as 8.75% APR*
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.59%
600 W 3rd Ave N, Aurora, MN, 55705 1269
Unsecured
8.90%
▼
APR8.90%
Last UpdatedMay 5, 2026
Details
No additional details available.
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN, 56085 4380
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Lifestyle Loan
9.25%
▼
APR9.25%
Last UpdatedMay 5, 2026
Details
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
St Paul Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1330 Conway St Ste 200, Saint Paul, MN, 55106
Over 80% Loan-to-Value
9.25%
▼
APR9.25%
Last UpdatedMay 5, 2026
Details
No additional details available.
Metropolitan Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
475 Etna St Ste 10, Saint Paul, MN, 55106 5845
Unsecured Loans
9.49%
▼
APR9.49%
Last UpdatedMay 5, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Personal Loan Rate Special
9.49%
▼
APR9.49%
Last UpdatedMay 5, 2026
Details
As Low As
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN, 55014 3035
Bridge Loan
9.49%
▼
APR9.49%
Last UpdatedMay 5, 2026
Details
As Low As; Fixed rate. Stated rate is for 5 year term. Other rates and LTV's available.
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
As Low As
Two Harbors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.61%
801 11th St, Two Harbors, MN, 55616
Unsecured
9.64%
▼
APR9.64%
Last UpdatedMay 5, 2026
Details
As Low As
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Signature & Lifestyle Loans
9.74%
▼
APR9.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN, 56085 4380
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
PERSONAL LOAN (SIGNATURE)
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As
United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
430 Bridge Ave, Albert Lea, MN, 56007
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Personal Loan Rate Special
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
2573 Credit Union Dr, PRIOR LAKE, MN, 55372
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As; **as low as 9.99% APR***
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
8111 Lyndale Ave S, Bloomington, MN, 55420
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
Be Free in Up to 5 Years
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 Little Canada Rd E, Little Canada, MN, 55117
Signature/Personal (non-collateral)
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
Unsecured up to $5,000 with a qualifying credit score.
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3300 Oakdale Ave N, Robbinsdale, MN, 55422 2926
Unsecured Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As
Transit Operations Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.36%
725 N 7TH ST, MINNEAPOLIS, MN, 55411
Unsecured Loans
10.00%
▼
APR10.00%
Last UpdatedMay 5, 2026
Details
As Low As; Maximum without collateral is $5000
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMay 5, 2026
Details
As Low As; Loan Amount $500 - $50,000
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Signature & Lifestyle Loans
10.24%
▼
APR10.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Lifestyle Loan
10.25%
▼
APR10.25%
Last UpdatedMay 5, 2026
Details
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Signature Loan
10.25%
▼
APR10.25%
Last UpdatedMay 5, 2026
Details
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3300 Oakdale Ave N, Robbinsdale, MN, 55422 2926
Unsecured Loan
10.49%
▼
APR10.49%
Last UpdatedMay 5, 2026
Details
As Low As
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403
Unsecured (signature)
10.49%
▼
APR10.49%
Last UpdatedMay 5, 2026
Details
As Low As
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
14989 Florence Trl, Apple Valley, MN, 55124
Unsecured Signature
10.49%
▼
APR10.49%
Last UpdatedMay 5, 2026
Details
As Low As; up to 60 months
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2303 White Bear Ave N, Maplewood, MN, 55109
Personal Signature ***
10.50%
▼
APR10.50%
Last UpdatedMay 5, 2026
Details
up to $20,000
Northwoods Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1702 Avenue B, Cloquet, MN, 55720
Unsecured Loan
10.70%
▼
APR10.70%
Last UpdatedMay 5, 2026
Details
As Low As
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
14601 27th Ave N, Plymouth, MN, 55447
Personal Loan (Unsecured)
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
As Low As
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3300 Oakdale Ave N, Robbinsdale, MN, 55422 2926
Unsecured Loan
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
As Low As
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN, 55904
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
Rates are quoted "as low as" and are subject to an evaluation of your credit.
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 Little Canada Rd E, Little Canada, MN, 55117
Signature/Personal (non-collateral)
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2303 White Bear Ave N, Maplewood, MN, 55109
Personal Signature ***
11.00%
▼
APR11.00%
Last UpdatedMay 5, 2026
Details
up to $20,000
Carpenters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
720 Olive St, Saint Paul, MN, 55130 4405
Unsecured Loans
11.04%
▼
APR11.04%
Last UpdatedMay 5, 2026
Details
No additional details available.
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Lifestyle Loan
11.25%
▼
APR11.25%
Last UpdatedMay 5, 2026
Details
Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 5, 2026
Details
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN, 55014 3035
Personal Signature
11.29%
▼
APR11.29%
Last UpdatedMay 5, 2026
Details
As Low As; Over $2,000
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN, 55014 3035
Personal Signature Loan
11.29%
▼
APR11.29%
Last UpdatedMay 5, 2026
Details
As Low As; Over $2,000
Novation Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.02%
500 Imperial Ave N, Oakdale, MN, 55128 7151
Lifestyle Loans
11.49%
▼
APR11.49%
Last UpdatedMay 5, 2026
Details
As Low As; Loan Amount: Up to $30,000
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
3670 AQUILA AVE S, SAINT LOUIS PARK, MN, 55426
Unsecured
11.49%
▼
APR11.49%
Last UpdatedMay 5, 2026
Details
No additional details available.
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
3670 AQUILA AVE S, SAINT LOUIS PARK, MN, 55426
Unsecured (No Collateral)
11.49%
▼
APR11.49%
Last UpdatedMay 5, 2026
Details
As Low As; 11.49%
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2303 White Bear Ave N, Maplewood, MN, 55109
Personal Signature ***
11.50%
▼
APR11.50%
Last UpdatedMay 5, 2026
Details
up to $20,000
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12080 73rd Ave N, Maple Grove, MN, 55369
Unsecured Personal Loan
11.59%
▼
APR11.59%
Last UpdatedMay 5, 2026
Details
Need a personal loan? Apply with BTCU.
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12080 73rd Ave N, Maple Grove, MN, 55369
Unsecured LOC
11.59%
▼
APR11.59%
Last UpdatedMay 5, 2026
Details
For overdraft protection or pull money only as you need it!
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12080 73rd Ave N, Maple Grove, MN, 55369
Personal Loan
11.59%
▼
APR11.59%
Last UpdatedMay 5, 2026
Details
As Low As; Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Disclosed rate includes a .25% discount for auto pay from a BTCU checking account. Loan is subject to credit approval. Rates are subject to change.
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
502 E 2nd St, Duluth, MN, 55805 1913
Signature Loan
11.74%
▼
APR11.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN, 55904
Personal Loans
11.74%
▼
APR11.74%
Last UpdatedMay 5, 2026
Details
Rates are quoted "as low as" and are subject to an evaluation of your credit.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Signature & Lifestyle Loans
11.74%
▼
APR11.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.99%
400 4th Ave NE, Austin, MN, 55912
Personal Term Loans
11.76%
▼
APR11.76%
Last UpdatedMay 5, 2026
Details
48 Month Terms as low as
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
13283 Isle Dr, Baxter, MN, 56425 8554
Personal Loan
11.84%
▼
APR11.84%
Last UpdatedMay 5, 2026
Details
As Low As
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Fixed Personal Loan
11.90%
▼
APR11.90%
Last UpdatedMay 5, 2026
Details
No additional details available.
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 Little Canada Rd E, Little Canada, MN, 55117
Signature/Personal (non-collateral)
11.99%
▼
APR11.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Teamsters Credit Union Blaine, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
9422 Ulysses St NE Ste 140, Blaine, MN, 55434 3575
Unsecured Loans
12.00%
▼
APR12.00%
Last UpdatedMay 5, 2026
Details
As Low As
North Shore Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
131 W Superior St, Duluth, MN, 55802
Unsecured
12.00%
▼
APR12.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedMay 5, 2026
Details
Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Term Loan
12.49%
▼
APR12.49%
Last UpdatedMay 5, 2026
Details
As Low As; A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Maximum total loan aggregate can not exceed $49,999.
Hometown Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
2400 W Bridge St, Owatonna, MN, 55060 5003
Unsecured
12.50%
▼
APR12.50%
Last UpdatedMay 5, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
4025 W Old Shakopee Rd, Bloomington, MN, 55437
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Lifestyle Loan
13.25%
▼
APR13.25%
Last UpdatedMay 5, 2026
Details
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount*: 80%
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Signature Loan
14.25%
▼
APR14.25%
Last UpdatedMay 5, 2026
Details
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount*: 80%
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
18146 198th Ave NW, Big Lake, MN, 55309 4653
Signature Loan
14.48%
▼
APR14.48%
Last UpdatedMay 5, 2026
Details
As Low As; As low as 12.99% APR
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Credit Starter Loan
14.49%
▼
APR14.49%
Last UpdatedMay 5, 2026
Details
As Low As; *Annual Percentage Rates (APR) and terms may vary depending upon payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Must be Genisys Credit Union member for at least 3 months. Proof of Income is required.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Signature & Lifestyle Loans
14.74%
▼
APR14.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Catholic United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3499 LEXINGTON AVE N, SAINT PAUL, MN, 55126
Personal Loans
14.99%
▼
APR14.99%
Last UpdatedMay 5, 2026
Details
As Low As; APR - Annual Percentage Rate. The posted rate is based on a credit score of at least 750 and a loan term of 36-months. Your loan rate will be determined by your credit score, the term of the loan, and the repayment method. Loans are subject to credit approval.
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3300 Oakdale Ave N, Robbinsdale, MN, 55422 2926
Signature
16.00%
▼
APR16.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
18146 198th Ave NW, Big Lake, MN, 55309 4653
Signature Loan
16.20%
▼
APR16.20%
Last UpdatedMay 5, 2026
Details
As Low As; As low as 15.74% APR
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
18146 198th Ave NW, Big Lake, MN, 55309 4653
Signature Loan
16.65%
▼
APR16.65%
Last UpdatedMay 5, 2026
Details
As Low As; As low as 15.49% APR
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Express Loan
17.64%
▼
APR17.64%
Last UpdatedMay 5, 2026
Details
As Low As; *Approximate monthly payment would be $91.49 for $1,000 borrowed at 17.64% APR for 12 months. APR is annual percentage yield. Must have direct deposits of at least $1,500 per month deposited to a Genisys Credit Union account for the three months prior to application. Must be a member in good standing and not have any current loan delinquency or negative deposit account balance with Genisys Credit Union at the time of application. Direct deposit required, automatic payment encouraged. Only one Express Loan can be open at a time. No more than 3 new Express Loans in a six month rolling period. Limited time offer. Other rules and restrictions apply.
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN, 55904
No Hassle Loan for 18 months
17.99%
▼
APR17.99%
Last UpdatedMay 5, 2026
Details
$2,500; Convenience fee: $150
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN, 55904
No Hassle Loan for 12 months
18.00%
▼
APR18.00%
Last UpdatedMay 5, 2026
Details
$1,000; Convenience fee: $55
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Cash Advance Loan
18.00%
▼
APR18.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Transit Operations Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.36%
725 N 7TH ST, MINNEAPOLIS, MN, 55411
Payday Loans
28.00%
▼
APR28.00%
Last UpdatedMay 5, 2026
Details
$20 application fee; up to $1000, 6 month repayment, no rollovers
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Embarrass Vermillion Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.59%
600 W 3rd Ave N, Aurora, MN, 55705 1269
Personal Loan
5.90%
▼
APR5.90%
Last UpdatedMay 5, 2026
Details
As Low As; including up to 36 months and rates as low as 5.9%.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2 Scimed Pl, Maple Grove, MN, 55311 1565
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMay 5, 2026
Details
As Low As
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN, 56085 4380
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Personal Loan Rate Special
9.49%
▼
APR9.49%
Last UpdatedMay 5, 2026
Details
As Low As
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
7989 Lake Dr, Lino Lakes, MN, 55014 1131
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedMay 5, 2026
Details
As Low As
Toro Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
8111 Lyndale Ave S, Bloomington, MN, 55420
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
Be Free in Up to 5 Years
South Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
2573 Credit Union Dr, PRIOR LAKE, MN, 55372
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As; **as low as 9.99% APR***
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
PERSONAL LOAN (SIGNATURE)
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Personal Loan Rate Special
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As
Southpoint Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
920 Main St E, Sleepy Eye, MN, 56085 4380
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3300 Central Park Village Dr, Eagan, MN, 55121 7707
Personal Loan
10.24%
▼
APR10.24%
Last UpdatedMay 5, 2026
Details
As Low As; Loan Amount $500 - $50,000
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN, 55904
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
Rates are quoted "as low as" and are subject to an evaluation of your credit.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
14601 27th Ave N, Plymouth, MN, 55447
Personal Loan (Unsecured)
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
As Low As
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12080 73rd Ave N, Maple Grove, MN, 55369
Personal Loan
11.59%
▼
APR11.59%
Last UpdatedMay 5, 2026
Details
As Low As; Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Disclosed rate includes a .25% discount for auto pay from a BTCU checking account. Loan is subject to credit approval. Rates are subject to change.
Building Trades Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.14%
12080 73rd Ave N, Maple Grove, MN, 55369
Unsecured Personal Loan
11.59%
▼
APR11.59%
Last UpdatedMay 5, 2026
Details
Need a personal loan? Apply with BTCU.
First Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
501 16th St SE, Rochester, MN, 55904
Personal Loans
11.74%
▼
APR11.74%
Last UpdatedMay 5, 2026
Details
Rates are quoted "as low as" and are subject to an evaluation of your credit.
Mid Minnesota Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
13283 Isle Dr, Baxter, MN, 56425 8554
Personal Loan
11.84%
▼
APR11.84%
Last UpdatedMay 5, 2026
Details
As Low As
Federated Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1929 S Cedar Ave, Owatonna, MN, 55060 4301
Fixed Personal Loan
11.90%
▼
APR11.90%
Last UpdatedMay 5, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
My Credit Union Bloomington, MN
Institution Rating:
A5.0 ★Texas Ratio: 7.81%
4025 W Old Shakopee Rd, Bloomington, MN, 55437
Personal Loans
12.99%
▼
APR12.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
9353 Jefferson Hwy, Maple Grove, MN, 55369
Personal Loan
12.99%
▼
APR12.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Catholic United Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3499 LEXINGTON AVE N, SAINT PAUL, MN, 55126
Personal Loans
14.99%
▼
APR14.99%
Last UpdatedMay 5, 2026
Details
As Low As; APR - Annual Percentage Rate. The posted rate is based on a credit score of at least 750 and a loan term of 36-months. Your loan rate will be determined by your credit score, the term of the loan, and the repayment method. Loans are subject to credit approval.
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in Minnesota currently.
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: 2.30%
360 Sherman St, Saint Paul, MN, 55102
Signature Loan
7.50%
▼
APR7.50%
Last UpdatedMay 5, 2026
Details
As Low As; Apply Today
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Signature & Lifestyle Loans
8.24%
▼
APR8.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Signature & Lifestyle Loans
9.74%
▼
APR9.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Alexandria Schools Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
2303 E Golf Course Rd NE, Alexandria, MN, 56308
Signature Loan
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
Unsecured up to $5,000 with a qualifying credit score.
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 Little Canada Rd E, Little Canada, MN, 55117
Signature/Personal (non-collateral)
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Trades & Labor Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
610 S BROADWAY AVE, ALBERT LEA, MN, 56007 4526
PERSONAL LOAN (SIGNATURE)
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
As Low As
United Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
430 Bridge Ave, Albert Lea, MN, 56007
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Signature & Lifestyle Loans
10.24%
▼
APR10.24%
Last UpdatedMay 5, 2026
Details
No additional details available.
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Signature Loan
10.25%
▼
APR10.25%
Last UpdatedMay 5, 2026
Details
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
Electric Machinery Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403
Unsecured (signature)
10.49%
▼
APR10.49%
Last UpdatedMay 5, 2026
Details
As Low As
Expedition Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
14989 Florence Trl, Apple Valley, MN, 55124
Unsecured Signature
10.49%
▼
APR10.49%
Last UpdatedMay 5, 2026
Details
As Low As; up to 60 months
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2303 White Bear Ave N, Maplewood, MN, 55109
Personal Signature ***
10.50%
▼
APR10.50%
Last UpdatedMay 5, 2026
Details
up to $20,000
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 Little Canada Rd E, Little Canada, MN, 55117
Signature/Personal (non-collateral)
10.99%
▼
APR10.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2303 White Bear Ave N, Maplewood, MN, 55109
Personal Signature ***
11.00%
▼
APR11.00%
Last UpdatedMay 5, 2026
Details
up to $20,000
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Signature Loan
11.25%
▼
APR11.25%
Last UpdatedMay 5, 2026
Details
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN, 55014 3035
Personal Signature
11.29%
▼
APR11.29%
Last UpdatedMay 5, 2026
Details
As Low As; Over $2,000
SMW Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
700 Apollo Dr, Lino Lakes, MN, 55014 3035
Personal Signature Loan
11.29%
▼
APR11.29%
Last UpdatedMay 5, 2026
Details
As Low As; Over $2,000
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
2303 White Bear Ave N, Maplewood, MN, 55109
Personal Signature ***
11.50%
▼
APR11.50%
Last UpdatedMay 5, 2026
Details
up to $20,000
Share Advantage Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
502 E 2nd St, Duluth, MN, 55805 1913
Signature Loan
11.74%
▼
APR11.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Signature & Lifestyle Loans
11.74%
▼
APR11.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
Minnesota Catholic Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
400 Little Canada Rd E, Little Canada, MN, 55117
Signature/Personal (non-collateral)
11.99%
▼
APR11.99%
Last UpdatedMay 5, 2026
Details
No additional details available.
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Signature Loan
12.25%
▼
APR12.25%
Last UpdatedMay 5, 2026
Details
Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Latvian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
3152 17th Ave S, Minneapolis, MN, 55407
Signature Loan
14.25%
▼
APR14.25%
Last UpdatedMay 5, 2026
Details
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount*: 80%
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
18146 198th Ave NW, Big Lake, MN, 55309 4653
Signature Loan
14.48%
▼
APR14.48%
Last UpdatedMay 5, 2026
Details
As Low As; As low as 12.99% APR
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1535 Beam Ave, Maplewood, MN, 55109
Signature & Lifestyle Loans
14.74%
▼
APR14.74%
Last UpdatedMay 5, 2026
Details
No additional details available.
North Memorial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3300 Oakdale Ave N, Robbinsdale, MN, 55422 2926
Signature
16.00%
▼
APR16.00%
Last UpdatedMay 5, 2026
Details
No additional details available.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
18146 198th Ave NW, Big Lake, MN, 55309 4653
Signature Loan
16.20%
▼
APR16.20%
Last UpdatedMay 5, 2026
Details
As Low As; As low as 15.74% APR
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
18146 198th Ave NW, Big Lake, MN, 55309 4653
Signature Loan
16.65%
▼
APR16.65%
Last UpdatedMay 5, 2026
Details
As Low As; As low as 15.49% APR
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MonitorBankRates
No home improvement personal loan rates found in Minnesota currently.
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
10.367%
▼ 0.173 vs 7 days ago
Minnesota personal loan rates fell 0.173 points over the past 7 days to 10.367% APR.
Signature Loan — MN Avg
12.938%
▲ 1.134 vs 7 days ago
Minnesota signature loan rates rose 1.134 points over the past 7 days to 12.938% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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?
- Alexandria Schools Employees Credit Union: 4.00% (Share Loan)
- Lake Central Bank: 4.01% (Credit Builder Loan)
- TopLine Financial Credit Union: 4.49% (Drive 4 Less Loans 2022 & Newer)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- My Credit Union Bloomington, MN: 4.74% (Recreational Loans)
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: May 5, 2026.
