Best Personal Loan Rates in Fargo, North Dakota (ND) - March 2026
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 North Dakota 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 Fargo, North Dakota include: POSTAL FAMILYPOSTAL FAMILY2730 12TH AVE S, FARGO, ND, 58103A+5.0 ★Texas Ratio: 0.00% offering Personal Loans at 9.25% APR, Town and Country Credit UnionTown and Country Credit Union815 25th St S, Fargo, ND, 58103 2397A+5.0 ★Texas Ratio: 3.36% offering Unsecured Loan at 11.74% APR, Capital Credit UnionCapital Credit Union4900 13th Ave S, Fargo, ND, 58103A5.0 ★Texas Ratio: 11.17% offering Unsecured - Signature Loan/Line at 12.00% APR, Fargo Public Schools Federal Credit UnionFargo Public Schools Federal Credit Union1462 Broadway N, Fargo, ND, 58102A+5.0 ★Texas Ratio: 0.04% offering Signature Loan at 12.00% APR, and United Savings Credit UnionUnited Savings Credit Union1001 1st Ave N, Fargo, ND, 58102A5.0 ★Texas Ratio: 7.47% offering Personal Loan at 12.50% APR.
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 Fargo, North Dakota 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 Fargo, North Dakota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Fargo, North Dakota. 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 22, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 23, 2026
Details
As Low As
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 23, 2026
Details
As Low As
Town and Country Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
815 25th St S, Fargo, ND, 58103 2397
Unsecured Loan
11.74%
▼
APR11.74%
Last UpdatedMarch 23, 2026
Details
As Low As
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND, 58103
Unsecured - Signature Loan/Line
12.00%
▼
APR12.00%
Last UpdatedMarch 23, 2026
Details
As Low As; to 21.25%
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND, 58102
Signature Loan
12.00%
▼
APR12.00%
Last UpdatedMarch 23, 2026
Details
As Low As; Signature
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
12.25%
▼
APR12.25%
Last UpdatedMarch 23, 2026
Details
As Low As
United Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1001 1st Ave N, Fargo, ND, 58102
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 23, 2026
Details
No additional details available.
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
15.25%
▼
APR15.25%
Last UpdatedMarch 23, 2026
Details
As Low As
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
17.25%
▼
APR17.25%
Last UpdatedMarch 23, 2026
Details
As Low As
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 23, 2026
Details
As Low As
Tel-U-Watt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 2nd Ave SE, Minot, ND, 58701
2023 & Newer Recreational Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 23, 2026
Details
No additional details available.
Tel-U-Watt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 2nd Ave SE, Minot, ND, 58701
2022 & Older Recreational Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 23, 2026
Details
No additional details available.
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1430 S BROADWAY, MINOT, ND, 58701 5933
Recreational Loans
6.25%
▼
APR6.25%
Last UpdatedMarch 23, 2026
Details
As Low As
Aspire Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1430 S BROADWAY, MINOT, ND, 58701 5933
Equipment Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 23, 2026
Details
As Low As
MINOT AREA SCHOOLS
Institution Rating:
A5.0 ★Texas Ratio: 13.80%
215 2nd St SE, Minot, ND, 58701
Unsecured Loan
8.49%
▼
APR8.49%
Last UpdatedMarch 23, 2026
Details
No additional details available.
Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2150 32nd Ave S Ste E, Grand Forks, ND, 58201
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 23, 2026
Details
As Low As
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
589 Holzapple St Bldg 210, Grand Forks Afb, ND, 58204 1020
Energy Efficiency Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 23, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1575 17th Ave S, Grand Forks, ND, 58201
Unsecured (signature) Loans
9.95%
▼
APR9.95%
Last UpdatedMarch 23, 2026
Details
No additional details available.
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
589 Holzapple St Bldg 210, Grand Forks Afb, ND, 58204 1020
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 23, 2026
Details
As Low As
Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
3030 Demers Ave, Grand Forks, ND, 58201
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMarch 23, 2026
Details
As Low As
Tel-U-Watt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 2nd Ave SE, Minot, ND, 58701
Signature Note
18.00%
▼
APR18.00%
Last UpdatedMarch 23, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 23, 2026
Details
As Low As
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 23, 2026
Details
As Low As
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
12.25%
▼
APR12.25%
Last UpdatedMarch 23, 2026
Details
As Low As
United Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.47%
1001 1st Ave N, Fargo, ND, 58102
Personal Loan
12.50%
▼
APR12.50%
Last UpdatedMarch 23, 2026
Details
No additional details available.
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
15.25%
▼
APR15.25%
Last UpdatedMarch 23, 2026
Details
As Low As
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
17.25%
▼
APR17.25%
Last UpdatedMarch 23, 2026
Details
As Low As
POSTAL FAMILY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2730 12TH AVE S, FARGO, ND, 58103
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 23, 2026
Details
As Low As
Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.03%
589 Holzapple St Bldg 210, Grand Forks Afb, ND, 58204 1020
Personal Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 23, 2026
Details
As Low As
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in Fargo, ND currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
4900 13th Ave S, Fargo, ND, 58103
Unsecured - Signature Loan/Line
12.00%
▼
APR12.00%
Last UpdatedMarch 23, 2026
Details
As Low As; to 21.25%
Fargo Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
1462 Broadway N, Fargo, ND, 58102
Signature Loan
12.00%
▼
APR12.00%
Last UpdatedMarch 23, 2026
Details
As Low As; Signature
Med Park Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
2150 32nd Ave S Ste E, Grand Forks, ND, 58201
Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 23, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
1575 17th Ave S, Grand Forks, ND, 58201
Unsecured (signature) Loans
9.95%
▼
APR9.95%
Last UpdatedMarch 23, 2026
Details
No additional details available.
Northern Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
3030 Demers Ave, Grand Forks, ND, 58201
Signature Loans
12.00%
▼
APR12.00%
Last UpdatedMarch 23, 2026
Details
As Low As
Tel-U-Watt Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 2nd Ave SE, Minot, ND, 58701
Signature Note
18.00%
▼
APR18.00%
Last UpdatedMarch 23, 2026
Details
No additional details available.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Fargo, ND currently.
Frequently Asked Questions
What credit score do I need for a personal loan in North Dakota?
Most lenders in Fargo, North Dakota 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 North Dakota often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Fargo, North Dakota 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 North Dakota?
Yes. Debt consolidation is one of the most common uses of personal loans in Fargo, North Dakota. 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 Fargo, North Dakota?
Credit unions in Fargo, North Dakota 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 Fargo, North Dakota?
- POSTAL FAMILY: 9.25% (Personal Loans)
- Town and Country Credit Union: 11.74% (Unsecured Loan)
- Capital Credit Union: 12.00% (Unsecured - Signature Loan/Line)
- Fargo Public Schools Federal Credit Union: 12.00% (Signature Loan)
- United Savings Credit Union: 12.50% (Personal Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Fargo, North Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 22, 2026.
Personal Loan Calculators
