St Paul, Minnesota Best Personal Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan rates for St Paul, Minnesota borrowers from lenders serving Minnesota range from 5.00% to 8.75% APR across the five lenders featured below, verified by MonitorBankRates as of September 28, 2026. Current personal loan options available to borrowers in St Paul, Minnesota include: Associated Healthcare Credit UnionAssociated Healthcare Credit UnionA+5.0 ★Texas Ratio: 3.27% offering Scholar Signature Loans at 5.00% APR, Pipefitters Steamfitters Credit UnionPipefitters Steamfitters Credit UnionA+5.0 ★Texas Ratio: 3.83% offering Personal Unsecured Loan at 6.75% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Personal Loan at 7.49% APR, Unity One Credit UnionUnity One Credit UnionA5.0 ★Texas Ratio: 6.22% offering Signature & Lifestyle Loans at 8.24% APR, and Greater Community Credit UnionGreater Community Credit UnionA+5.0 ★Texas Ratio: 1.30% offering Personal Unsecured Loan at 8.75% APR. Personal loan rates as of September 28, 2026 according to verified data from MonitorBankRates.
St Paul borrowers have access to 45 lenders serving the Minnesota area, with personal loan rates as low as 5.00% APR from Associated Healthcare Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated, so 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 St Paul, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in St Paul, 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: September 28, 2026
St Paul Personal Loan Rates
Must provide proof of studentship.
As Low As; *
As Low As
As Low As
As Low As
As Low As; *
No additional details available.
As Low As; Fixed rates
No additional details available.
Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower's credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Financial. Other conditions may apply.
No additional details available.
- Sep 22, 20269.24%▲ from 8.99%
- Sep 14, 20268.99%first recorded
As low as; N/A
As low as
Minimum Loan $500.00; As Low As
No additional details available.
As low as; Loan rates based on individual credit score and credit union relationship.
Be Free in Up to 5 Years
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Published APR range: 9.99%-12.99%.
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
Published APR range: 9.99% - 16.99%.
Unsecured up to $5,000 with a qualifying credit score.
Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower's credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Financial. Other conditions may apply.
Maximum without collateral is $5000
No additional details available.
No additional details available.
- Sep 22, 202610.24%▲ from 9.99%
- Sep 14, 20269.99%first recorded
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount: 120%
Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may vary based on age of collateral and term of loan.
- Sep 22, 202610.29%▲ from 9.99%
- Sep 14, 20269.99%first recorded
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
As Low As; *
As Low As
up to $20,000; ***
Term: up to 60 months financing; As Low As; $10,000 maximum
Maximum loan amount $20,000. Payments do not begin until an advance is made. Funds are accessed by transferring funds to your Genisys checking account.
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
Rates are quoted "as low as" and are subject to an evaluation of your credit. Rate may vary from rates shown. Rates subject to change without notice.
Published APR range: 10.99% - 18.00%.
No additional details available.
As Low As
Rates as low as*
up to $20,000; ***
No additional details available.
No additional details available.
Rates as low as*
No additional details available.
- Sep 22, 202611.24%▲ from 10.99%
- Sep 14, 202610.99%first recorded
As Low As
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount: 100%
No additional details available.
Condition: Over $2,000.
Rates as low as*
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
No additional details available.
The lowest APR for Unsecured Loans is 11.49%.
up to $20,000; ***
No additional details available.
As Low As; 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.
No additional details available.
Rates are quoted "as low as" and are subject to an evaluation of your credit. Rate may vary from rates shown. Rates subject to change without notice.
No additional details available.
As Low As
Funds for life's big or small moments.
No additional details available.
Rates as low as 11.99% APR^
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
Published APR range: 11.99% - 18.00%.
No additional details available.
Term: closed-end, 48 month maximum term; As Low As; Limit up to $5,000
Term: closed-end, 48 month maximum term; As Low As; Limit up to $10,000
No additional details available.
- Sep 22, 202612.24%▲ from 11.99%
- Sep 14, 202611.99%first recorded
Credit Score: B; Paper Grade: 640 - 679; Maximum Amount: 90%
No additional details available.
As Low As
No additional details available.
Published APR range: 12.50% - 18.00%.
No additional details available.
- Sep 22, 202613.24%▲ from 12.99%
- Sep 14, 202612.99%first recorded
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount: 80%
No additional details available.
No additional details available.
No additional details available.
Competitive rate and terms; Maximum term is 36 months and payment is auto debit.
- Sep 27, 202616.75%▲ from 14.99%
- Sep 15, 202614.99%first recorded
No additional details available.
St Paul Personal Loan Rates
As Low As
Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower's credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Financial. Other conditions may apply.
No additional details available.
- Sep 22, 20269.24%▲ from 8.99%
- Sep 14, 20268.99%first recorded
As low as
Be Free in Up to 5 Years
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower's credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Financial. Other conditions may apply.
No additional details available.
- Sep 22, 202610.24%▲ from 9.99%
- Sep 14, 20269.99%first recorded
Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may vary based on age of collateral and term of loan.
- Sep 22, 202610.29%▲ from 9.99%
- Sep 14, 20269.99%first recorded
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
Maximum loan amount $20,000. Payments do not begin until an advance is made. Funds are accessed by transferring funds to your Genisys checking account.
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
Rates are quoted "as low as" and are subject to an evaluation of your credit. Rate may vary from rates shown. Rates subject to change without notice.
As Low As
Rates as low as*
Rates as low as*
No additional details available.
- Sep 22, 202611.24%▲ from 10.99%
- Sep 14, 202610.99%first recorded
Rates as low as*
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
As Low As; 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.
Rates are quoted "as low as" and are subject to an evaluation of your credit. Rate may vary from rates shown. Rates subject to change without notice.
No additional details available.
Rates as low as 11.99% APR^
As Low As; Maximum amount of $25,000 or 20% of annual income. Note: As Low As rate includes a 0.50% discount for loans currently enrolled in an electronic payment plan such as direct deposit, payroll deduction, or automatic withdrawal. If electronic payments are discontinued, the loan rate will increase 0.50%. Not all applicants will qualify for the lowest rates.
Term: closed-end, 48 month maximum term; As Low As; Limit up to $5,000
Term: closed-end, 48 month maximum term; As Low As; Limit up to $10,000
No additional details available.
- Sep 22, 202612.24%▲ from 11.99%
- Sep 14, 202611.99%first recorded
Published APR range: 12.50% - 18.00%.
No additional details available.
- Sep 22, 202613.24%▲ from 12.99%
- Sep 14, 202612.99%first recorded
St Paul Debt Consolidation Loan Rates
St Paul Signature Loan Rates
Must provide proof of studentship.
As Low As
As Low As
No additional details available.
As low as; N/A
Minimum Loan $500.00; As Low As
No additional details available.
As Low As; Based On Credit (Beacon) Score for Equifax Credit Services
Published APR range: 9.99%-12.99%.
Published APR range: 9.99% - 16.99%.
Unsecured up to $5,000 with a qualifying credit score.
No additional details available.
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount: 120%
As Low As; *
As Low As
up to $20,000; ***
Term: up to 60 months financing; As Low As; $10,000 maximum
Published APR range: 10.99% - 18.00%.
No additional details available.
up to $20,000; ***
As Low As
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount: 100%
Condition: Over $2,000.
up to $20,000; ***
No additional details available.
No additional details available.
As Low As
Published APR range: 11.99% - 18.00%.
Credit Score: B; Paper Grade: 640 - 679; Maximum Amount: 90%
As Low As
No additional details available.
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount: 80%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
St Paul, MN Personal Loan Rate Trends
Compare local St Paul, MN 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.
Minnesota personal loan rates rose 0.077 points over the past 7 days to 10.663% APR.
Minnesota signature loan rates fell 0.075 points over the past 7 days to 11.932% APR.
St Paul, MN Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Minnesota figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current MN average personal loan APR of 10.66%, across the terms lenders serving St Paul, Minnesota most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.26/mo | $162.90/mo | $128.41/mo | $107.87/mo |
| $10,000 | $464.52/mo | $325.79/mo | $256.82/mo | $215.75/mo |
| $15,000 | $696.77/mo | $488.69/mo | $385.23/mo | $323.62/mo |
| $25,000 | $1,161.29/mo | $814.49/mo | $642.06/mo | $539.37/mo |
| $35,000 | $1,625.81/mo | $1,140.28/mo | $898.88/mo | $755.12/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in St Paul, Minnesota
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the MN personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (MN average) | 10.66% | $385.23 | $3,491 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,659 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,193 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,785 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in St Paul, Minnesota
Prequalify With a Soft Credit Check
Most lenders serving St Paul, Minnesota will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Minnesota data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured St Paul, Minnesota auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a St Paul, Minnesota high-yield savings account costs nothing and earns interest instead of paying it
Minnesota Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $385 monthly loan payment is roughly 9.1% of the median individual income in Minnesota. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in St Paul, Minnesota.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current MN average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our St Paul, 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 St Paul, 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 St Paul, 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?
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 St Paul, Minnesota?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in St Paul, Minnesota?
- Associated Healthcare Credit Union: 5.00% (Scholar Signature Loans)
- Pipefitters Steamfitters Credit Union: 6.75% (Personal Unsecured Loan)
- Baxter Credit Union: 7.49% (Personal Loan)
- Unity One Credit Union: 8.24% (Signature & Lifestyle Loans)
- Greater Community Credit Union: 8.75% (Personal Unsecured Loan)
St Paul, Minnesota Rates & Resources
Personal Loan Calculators
