Best Personal Loan Rates in South Dakota - June 2026
Content reviewed by
Brian McKay
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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 South 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 South Dakota include: Service First Federal Credit UnionService First Federal Credit Union3901 E 10th St, Sioux Falls, SD, 57103 2133A+5.0 ★Texas Ratio: 2.31% offering New Recreational (2025 & Newer) - 6-48 months Loan at 5.59% APR, Northern Hills Federal Credit UnionNorthern Hills Federal Credit Union1080 MAIN ST, STURGIS, SD, 57785A+5.0 ★Texas Ratio: 3.41% offering Recreational Loan at 6.35% APR, Coteau Valley Federal Credit UnionCoteau Valley Federal Credit Union212 W Hickory St, Sisseton, SD, 57262 1826A+5.0 ★Texas Ratio: 3.30% offering 20 YR Loan at 7.00% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union815 Columbus St, Rapid City, SD, 57701A+5.0 ★Texas Ratio: 1.57% offering Church Loans at 7.25% APR, and Dakota Star Federal Credit UnionDakota Star Federal Credit Union3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354A5.0 ★Texas Ratio: 7.29% offering Personal Loans at 9.90% APR. Personal loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across South Dakota side-by-side. South Dakota personal loan rates currently start as low as 5.59% APR from Service First Federal Credit Union at 3901 E 10th St, Sioux Falls, SD, 57103 2133. 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 South Dakota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in South 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: June 23, 2026
South Dakota Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 6-48 months Loan
5.59%
▼
APR5.59%
Last UpdatedJune 27, 2026
Details
Credit Score: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 60 months Loan
5.68%
▼
APR5.68%
Last UpdatedJune 27, 2026
Details
Credit Score: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 6-48 months Loan
5.81%
▼
APR5.81%
Last UpdatedJune 27, 2026
Details
Credit Score: 749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 72 months Loan
5.99%
▼
APR5.99%
Last UpdatedJune 27, 2026
Details
Credit Score: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 60 months Loan
6.05%
▼
APR6.05%
Last UpdatedJune 27, 2026
Details
Credit Score: 749-680
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1080 MAIN ST, STURGIS, SD, 57785
Recreational Loan
6.35%
▼
APR6.35%
Last UpdatedJune 27, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 72 months Loan
6.49%
▼
APR6.49%
Last UpdatedJune 27, 2026
Details
Credit Score: 749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) - 6-48 months Loan
6.99%
▼
APR6.99%
Last UpdatedJune 27, 2026
Details
Credit Score: 750+
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
20 YR Loan
7.00%
▼
APR7.00%
Last UpdatedJune 27, 2026
Details
Credit Score: 725 - UP
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) - 60 months Loan
7.08%
▼
APR7.08%
Last UpdatedJune 27, 2026
Details
Credit Score: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 6-48 months Loan
7.13%
▼
APR7.13%
Last UpdatedJune 27, 2026
Details
Credit Score: 679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) - 6-48 months Loan
7.21%
▼
APR7.21%
Last UpdatedJune 27, 2026
Details
Credit Score: 749-680
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
815 Columbus St, Rapid City, SD, 57701
Church Loans
7.25%
▼
APR7.25%
Last UpdatedJune 27, 2026
Details
As Low As
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
20 YR Loan
7.25%
▼
APR7.25%
Last UpdatedJune 27, 2026
Details
Credit Score: 675-724
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 60 months Loan
7.33%
▼
APR7.33%
Last UpdatedJune 27, 2026
Details
Credit Score: 679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) - 60 months Loan
7.45%
▼
APR7.45%
Last UpdatedJune 27, 2026
Details
Credit Score: 749-680
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
815 Columbus St, Rapid City, SD, 57701
Church Corporate Loans
7.50%
▼
APR7.50%
Last UpdatedJune 27, 2026
Details
Loans up to $250,000. No prepayment penalties. Personal guarantees may be waived.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 72 months Loan
7.69%
▼
APR7.69%
Last UpdatedJune 27, 2026
Details
Credit Score: 679-650
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
H.E. 0-60 Loan
8.00%
▼
APR8.00%
Last UpdatedJune 27, 2026
Details
Credit Score: 725 - UP
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
20 YR Loan
8.50%
▼
APR8.50%
Last UpdatedJune 27, 2026
Details
Credit Score: 650-674
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) - 6-48 months Loan
8.53%
▼
APR8.53%
Last UpdatedJune 27, 2026
Details
Credit Score: 679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) - 60 months Loan
8.73%
▼
APR8.73%
Last UpdatedJune 27, 2026
Details
Credit Score: 679-650
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedJune 27, 2026
Details
As Low As; Including Debt Consolidation
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
H.E. 0-60 Loan
9.00%
▼
APR9.00%
Last UpdatedJune 27, 2026
Details
Credit Score: 675-724
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
H.E. 61-120 Loan
9.00%
▼
APR9.00%
Last UpdatedJune 27, 2026
Details
Credit Score: 725 - UP
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Personal Loan
9.30%
▼
APR9.30%
Last UpdatedJune 27, 2026
Details
All Personal Loan Rates »
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 6-12 months
9.30%
▼
APR9.30%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 24 months
9.80%
▼
APR9.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 6-12 months
9.80%
▼
APR9.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedJune 27, 2026
Details
As Low as; APR*
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJune 27, 2026
Details
Credit score 701+
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Unsecured Loans
9.99%
▼
APR9.99%
Last UpdatedJune 27, 2026
Details
Up to $50,000; As Low As
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Machinery: Backhoe, Bobcat, Tractor, etc. Loan
10.00%
▼
APR10.00%
Last UpdatedJune 27, 2026
Details
Fixed
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Loan
10.15%
▼
APR10.15%
Last UpdatedJune 27, 2026
Details
Fixed
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Vacation Loan
10.25%
▼
APR10.25%
Last UpdatedJune 27, 2026
Details
Fixed
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1080 MAIN ST, STURGIS, SD, 57785
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedJune 27, 2026
Details
Any Purpose-Vacations, Projects, Repairs
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 24 months
10.30%
▼
APR10.30%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 36 months
10.30%
▼
APR10.30%
Last UpdatedJune 27, 2026
Details
No additional details available.
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
20 YR Loan
10.50%
▼
APR10.50%
Last UpdatedJune 27, 2026
Details
Credit Score: 600 - DOWN
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedJune 27, 2026
Details
As Low As; Rates are current as of November 1, 2024 unless otherwise noted and are subject to change.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 6-48 months Loan
10.54%
▼
APR10.54%
Last UpdatedJune 27, 2026
Details
Credit Score: 649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 48 months
10.80%
▼
APR10.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
H.E. 0-60 Loan
10.85%
▼
APR10.85%
Last UpdatedJune 27, 2026
Details
Credit Score: 650-674
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 36 months
11.05%
▼
APR11.05%
Last UpdatedJune 27, 2026
Details
No additional details available.
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
H.E. 61-120 Loan
11.25%
▼
APR11.25%
Last UpdatedJune 27, 2026
Details
Credit Score: 675-724
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 60 months Loan
11.29%
▼
APR11.29%
Last UpdatedJune 27, 2026
Details
Credit Score: 649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 48 months
11.55%
▼
APR11.55%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 72 months Loan
11.69%
▼
APR11.69%
Last UpdatedJune 27, 2026
Details
Credit Score: 649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 6-12 months
11.80%
▼
APR11.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) - 6-48 months Loan
11.94%
▼
APR11.94%
Last UpdatedJune 27, 2026
Details
Credit Score: 649-600
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
750+ Loan
12.00%
▼
APR12.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
3400 S Sycamore Ave, Sioux Falls, SD, 57110 4412
Personal/Lifestyle Loan
12.00%
▼
APR12.00%
Last UpdatedJune 27, 2026
Details
Debt Consolidation
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
H.E. 0-60 Loan
12.00%
▼
APR12.00%
Last UpdatedJune 27, 2026
Details
Credit Score: 600 - DOWN
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 24 months
12.05%
▼
APR12.05%
Last UpdatedJune 27, 2026
Details
No additional details available.
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
H.E. 61-120 Loan
12.20%
▼
APR12.20%
Last UpdatedJune 27, 2026
Details
Credit Score: 650-674
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 36 months
12.30%
▼
APR12.30%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
750+ Loan
12.50%
▼
APR12.50%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 48 months
12.55%
▼
APR12.55%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) - 60 months Loan
12.69%
▼
APR12.69%
Last UpdatedJune 27, 2026
Details
Credit Score: 649-600
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
750+ Loan
13.00%
▼
APR13.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
H.E. 61-120 Loan
13.00%
▼
APR13.00%
Last UpdatedJune 27, 2026
Details
Credit Score: 600 - DOWN
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
700-749 Loan
13.50%
▼
APR13.50%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
700-749 Loan
14.00%
▼
APR14.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
750+ Loan
14.00%
▼
APR14.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 6-48 months Loan
14.04%
▼
APR14.04%
Last UpdatedJune 27, 2026
Details
Credit Score: 599 and Below
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
700-749 Loan
14.50%
▼
APR14.50%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
750+ Loan
14.50%
▼
APR14.50%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 6-12 months
14.55%
▼
APR14.55%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 24 months
14.80%
▼
APR14.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedJune 27, 2026
Details
Credit score 650-700
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
675-699 Loan
15.00%
▼
APR15.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 36 months
15.05%
▼
APR15.05%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 60 months Loan
15.29%
▼
APR15.29%
Last UpdatedJune 27, 2026
Details
Credit Score: 599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 48 months
15.30%
▼
APR15.30%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) - 6-48 months Loan
15.44%
▼
APR15.44%
Last UpdatedJune 27, 2026
Details
Credit Score: 599 and Below
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
675-699 Loan
15.50%
▼
APR15.50%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
700-749 Loan
15.50%
▼
APR15.50%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Recreational (2025 & Newer) - 72 months Loan
15.79%
▼
APR15.79%
Last UpdatedJune 27, 2026
Details
Credit Score: 599 and Below
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
650-674 Loan
16.00%
▼
APR16.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
675-699 Loan
16.00%
▼
APR16.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
700-749 Loan
16.00%
▼
APR16.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
650-674 Loan
16.50%
▼
APR16.50%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
675-699 Loan
16.50%
▼
APR16.50%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) - 60 months Loan
16.69%
▼
APR16.69%
Last UpdatedJune 27, 2026
Details
Credit Score: 599 and Below
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
650-674 Loan
17.00%
▼
APR17.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
675-699 Loan
17.00%
▼
APR17.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
560-649 Loan
17.50%
▼
APR17.50%
Last UpdatedJune 27, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
650-674 Loan
17.50%
▼
APR17.50%
Last UpdatedJune 27, 2026
Details
No additional details available.
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Personal Loan
17.50%
▼
APR17.50%
Last UpdatedJune 27, 2026
Details
Credit score <650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 6-12 months
17.55%
▼
APR17.55%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 24 months
17.80%
▼
APR17.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 36 months
18.00%
▼
APR18.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 48 months
18.00%
▼
APR18.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans
20.00%
▼
APR20.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
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MonitorBankRates
South Dakota Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Personal Loan
9.30%
▼
APR9.30%
Last UpdatedJune 27, 2026
Details
All Personal Loan Rates »
Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedJune 27, 2026
Details
As Low as; APR*
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJune 27, 2026
Details
Credit score 701+
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Loan
10.15%
▼
APR10.15%
Last UpdatedJune 27, 2026
Details
Fixed
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1080 MAIN ST, STURGIS, SD, 57785
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedJune 27, 2026
Details
Any Purpose-Vacations, Projects, Repairs
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedJune 27, 2026
Details
As Low As; Rates are current as of November 1, 2024 unless otherwise noted and are subject to change.
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedJune 27, 2026
Details
Credit score 650-700
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Personal Loan
17.50%
▼
APR17.50%
Last UpdatedJune 27, 2026
Details
Credit score <650
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South Dakota Debt Consolidation Loan Rates
No debt consolidation personal loan rates found in South Dakota currently.
South Dakota Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedJune 27, 2026
Details
As Low As; Including Debt Consolidation
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 6-12 months
9.30%
▼
APR9.30%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 24 months
9.80%
▼
APR9.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 6-12 months
9.80%
▼
APR9.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 24 months
10.30%
▼
APR10.30%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 36 months
10.30%
▼
APR10.30%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 48 months
10.80%
▼
APR10.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 36 months
11.05%
▼
APR11.05%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 48 months
11.55%
▼
APR11.55%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 6-12 months
11.80%
▼
APR11.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 24 months
12.05%
▼
APR12.05%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 36 months
12.30%
▼
APR12.30%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 48 months
12.55%
▼
APR12.55%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 6-12 months
14.55%
▼
APR14.55%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 24 months
14.80%
▼
APR14.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 36 months
15.05%
▼
APR15.05%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 48 months
15.30%
▼
APR15.30%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 6-12 months
17.55%
▼
APR17.55%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 24 months
17.80%
▼
APR17.80%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 36 months
18.00%
▼
APR18.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans 48 months
18.00%
▼
APR18.00%
Last UpdatedJune 27, 2026
Details
No additional details available.
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MonitorBankRates
South Dakota Personal Loan Rate Trends
Compare local South Dakota 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.
Personal Loan — SD Avg
11.423%
▼ 0.099 vs 7 days ago
South Dakota personal loan rates fell 0.099 points over the past 7 days to 11.423% APR.
Signature Loan — SD Avg
10.986%
▲ 0.008 vs 7 days ago
South Dakota signature loan rates rose 0.008 points over the past 7 days to 10.986% APR.
As of Jun 27, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Dakota 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 South Dakota 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 South Dakota. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in SD.
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 South Dakota?
Most lenders in South 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 South Dakota often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in South 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 South Dakota?
Yes. Debt consolidation is one of the most common uses of personal loans in South 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 South Dakota?
Credit unions in South 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 South Dakota?
- Service First Federal Credit Union: 5.59% (New Recreational (2025 & Newer) - 6-48 months Loan)
- Northern Hills Federal Credit Union: 6.35% (Recreational Loan)
- Coteau Valley Federal Credit Union: 7.00% (20 YR Loan)
- Interfaith Federal Credit Union: 7.25% (Church Loans)
- Dakota Star Federal Credit Union: 9.90% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 23, 2026.
