Best Personal Loan Rates in Lakeville, Minnesota (MN) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Lakeville, Minnesota include: Genisys Credit UnionGenisys Credit Union16106 Pilot Knob Rd Ste 140, Lakeville, MN, 55044 4109A+5.0 ★Texas Ratio: 5.03% offering Credit Builder Loan at 5.74% APR, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union17555 Kenwood Trl, Lakeville, MN, 55044 8360A+5.0 ★Texas Ratio: 5.62% offering Holiday Loan at 5.99% APR, TruStone Financial Credit UnionTruStone Financial Credit Union17533 Cedar Ave, Lakeville, MN, 55044A+5.0 ★Texas Ratio: 5.44% offering Adoption Loan at 8.49% APR, Great Southern BankGreat Southern Bank10880 175th Ct W, Lakeville, MN, 55044A+5.0 ★Texas Ratio: 1.82% offering Unsecured Loan at 16.75% APR, and Lake Central BankLake Central Bank2010 Minnesota Ave, Benson, MN, 56215A+5.0 ★Texas Ratio: 1.05% offering Credit Builder Loans at 4.01% APR. Personal loan rates as of March 29, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Lakeville, Minnesota can save you significantly over the life of your loan.
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 Lakeville, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lakeville, 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: March 29, 2026
As Low As; Proof of Income is required.
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Fixed-Rate
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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
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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.
As Low As; Fixed-Rate
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.
No additional details available.
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.
Waived processing fee
Secured by share/savings account at Credit Union pledged as collateral.
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As Low As; 3, 4, or 5 year terms new or used motor & recreational vehicles
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As Low As; Must provide proof of studentship.
This APR will vary with the market based on the dividend rate.
No additional details available.
No additional details available.
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New
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No additional details available.
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As Low As; including up to 36 months and rates as low as 5.9%.
No additional details available.
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interest only
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Interest-only 12 month terms
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As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
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As Low As
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As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
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No additional details available.
As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
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Available in Arizona, FL, Iowa, Minnesota and Wisconsin.
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Available in Arizona, FL, Iowa, Minnesota and Wisconsin.
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As Low As; Flexible loan terms; Plus - make no payments for 60 days!
No additional details available.
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No additional details available.
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
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As Low As; Minimum Loan $500.00
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No additional details available.
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Be Free in Up to 5 Years
No additional details available.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
Unsecured up to $5,000 with a qualifying credit score.
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As Low As; Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may increase based on current credit history.
No additional details available.
As Low As; Maximum without collateral is $5000
No additional details available.
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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up to $20,000
As Low As; $10,000 maximum; up to 60 months financing
No additional details available.
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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.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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up to $20,000
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No additional details available.
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Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
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As Low As; Over $2,000
As Low As; Over $2,000
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As Low As; Loan Amount: Up to $30,000
As Low As; Maximum amount of $25,000 or 20% of annual income.
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As Low As; including up to 36 months and rates as low as 5.9%.
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As Low As; Flexible loan terms; Plus - make no payments for 60 days!
No additional details available.
No additional details available.
As Low As; Minimum Loan $500.00
No additional details available.
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Be Free in Up to 5 Years
No additional details available.
As Low As; Maximum amount of $25,000 or 20% of annual income.
As Low As
As Low As
As Low As; Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may increase based on current credit history.
No additional details available.
As Low As; Maximum amount of $25,000 or 20% of annual income.
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.
As Low As; Maximum amount of $25,000 or 20% of annual income.
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No additional details available.
As Low As; Maximum amount of $25,000 or 20% of annual income.
As Low As; Must provide proof of studentship.
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No additional details available.
No additional details available.
Unsecured up to $5,000 with a qualifying credit score.
No additional details available.
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No additional details available.
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
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As Low As; N/A
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up to $20,000
As Low As; $10,000 maximum; up to 60 months financing
No additional details available.
up to $20,000
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Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
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As Low As; Over $2,000
As Low As; Over $2,000
Frequently Asked Questions
What credit score do I need for a personal loan in Minnesota?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Minnesota?
Are credit unions or banks better for personal loans in Lakeville, Minnesota?
What are the best personal loan rates in Lakeville, Minnesota?
- Genisys Credit Union: 5.74% (Credit Builder Loan)
- Affinity Plus Federal Credit Union: 5.99% (Holiday Loan)
- TruStone Financial Credit Union: 8.49% (Adoption Loan)
- Great Southern Bank: 16.75% (Unsecured Loan)
- Lake Central Bank: 4.01% (Credit Builder Loans)
Personal Loan Calculators
