Best Personal Loan Rates in Fargo, North Dakota (ND) - May 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 Fargo, North Dakota include: POSTAL FAMILYPOSTAL FAMILY2730 12TH AVE S, FARGO, ND, 58103A+5.0 ★Texas Ratio: 0.00% offering Personal Loans A+ 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, 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, and Tel-U-Watt Federal Credit UnionTel-U-Watt Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering 2023 & Newer Recreational Loan at 5.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Fargo has 4 local institutions in our database, with personal loan rates as low as 9.25% APR from POSTAL FAMILY at 2730 12TH AVE S, FARGO, ND, 58103. Use the tabs below to compare all available personal loan types. 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 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: May 12, 2026
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Fargo, ND Personal Loan Rate Trends
Compare local Fargo, ND 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.
North Dakota personal loan rates currently average 12.635% APR.
North Dakota signature loan rates fell 0.027 points over the past 7 days to 11.786% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in North Dakota?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in North Dakota?
Are credit unions or banks better for personal loans in Fargo, North Dakota?
What are the best personal loan rates in Fargo, North Dakota?
- POSTAL FAMILY: 9.25% (Personal Loans A+)
- Town and Country Credit Union: 11.74% (Unsecured Loan)
- Capital Credit Union: 12.00% (Unsecured - Signature Loan/Line)
- United Savings Credit Union: 12.50% (Personal Loan)
- Tel-U-Watt Federal Credit Union: 5.00% (2023 & Newer Recreational Loan)
Personal Loan Calculators
