Best Personal Loan Rates in Minneapolis, Minnesota (MN) - March 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 Minneapolis, Minnesota include: Baxter Credit UnionBaxter Credit Union1000 Nicollet Mall, Minneapolis, MN, 55403A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union2520 University Ave SE, Minneapolis, MN, 55414A+5.0 ★Texas Ratio: 5.62% offering Holiday Loan at 5.99% APR, TruStone Financial Credit UnionTruStone Financial Credit Union2817 Lyndale Ave S, Minneapolis, MN, 55408A+5.0 ★Texas Ratio: 5.44% offering Adoption Loan at 8.49% APR, Latvian Credit UnionLatvian Credit Union3152 17th Ave S, Minneapolis, MN, 55407A+5.0 ★Texas Ratio: 1.30% offering Lifestyle Loan at 9.25% APR, and Transit Operations Federal Credit UnionTransit Operations Federal Credit Union725 N 7TH ST, MINNEAPOLIS, MN, 55411A-5.0 ★Texas Ratio: 15.36% offering Unsecured Loans at 10.00% APR. Personal loan rates as of March 27, 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 Minneapolis, 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 Minneapolis, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Minneapolis, 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 27, 2026
No additional details available.
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Fixed-Rate
As Low As; Fixed-Rate
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As Low As; Fixed-Rate
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Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
As Low As; Maximum without collateral is $5000
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
As Low As; N/A
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Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount*: 80%
As Low As; Fixed-Rate
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount*: 80%
$20 application fee; up to $1000, 6 month repayment, no rollovers
As Low As; No payment for 90 days!
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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This APR will vary with the market based on the dividend rate.
No additional details available.
As Low As; Must provide proof of studentship.
No additional details available.
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As Low As; Proof of Income is required.
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New
No additional details available.
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As Low As; including up to 36 months and rates as low as 5.9%.
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interest only
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Interest-only 12 month terms
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As Low As
As Low As; 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; 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
As Low As; 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
As Low As; 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
As Low As
As Low As
As Low As; 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.
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; Flexible loan terms; Plus - make no payments for 60 days!
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As Low As; Minimum Loan $500.00
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No additional details available.
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Unsecured up to $5,000 with a qualifying credit score.
As Low As; Maximum amount of $25,000 or 20% of annual income.
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.
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No additional details available.
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Be Free in Up to 5 Years
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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
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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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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up to $20,000
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As Low As; Over $2,000
As Low As; Over $2,000
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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!
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As Low As; Minimum Loan $500.00
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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.
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No additional details available.
Be Free in Up to 5 Years
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As Low As
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.
No additional details available.
As Low As; Maximum amount of $25,000 or 20% of annual income.
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Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
As Low As; N/A
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount*: 80%
As Low As; Must provide proof of studentship.
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No additional details available.
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Unsecured up to $5,000 with a qualifying credit score.
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up to $20,000
As Low As; $10,000 maximum; up to 60 months financing
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up to $20,000
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As Low As; Over $2,000
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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 Minneapolis, Minnesota?
What are the best personal loan rates in Minneapolis, Minnesota?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Affinity Plus Federal Credit Union: 5.99% (Holiday Loan)
- TruStone Financial Credit Union: 8.49% (Adoption Loan)
- Latvian Credit Union: 9.25% (Lifestyle Loan)
- Transit Operations Federal Credit Union: 10.00% (Unsecured Loans)
Personal Loan Calculators
