Best Personal Loan Rates in Sioux Falls, South Dakota (SD) - March 2026
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Brian McKay
Brian McKay
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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 Sioux Falls, South Dakota include: Service First Federal Credit UnionService First Federal Credit Union3901 E 10th St, Sioux Falls, SD, 57103 2133A+5.0 ★Texas Ratio: 0.00% offering Signature Loan at 9.30% APR, Bluestone Federal Credit UnionBluestone Federal Credit Union3400 S Sycamore Ave, Sioux Falls, SD, 57110 4412A+5.0 ★Texas Ratio: 5.08% offering Personal/Lifestyle Loan at 12.00% APR, Voyage Federal Credit UnionVoyage Federal Credit Union5800 E 18th St Ste 101, Sioux Falls, SD, 57110A5.0 ★Texas Ratio: 6.07% offering Personal Loans at 13.19% APR, Dakotaland Federal Credit UnionDakotaland Federal Credit Union1371 Dakota Ave S, Huron, SD, 57350A+5.0 ★Texas Ratio: 3.55% offering Rec LOAN at 5.27% APR, and East River Federal Credit UnionEast River Federal Credit Union220 S Harth Ave, Madison, SD, 57042 2916A+5.0 ★Texas Ratio: 3.86% offering Recreational Loans at 6.80% APR. Personal loan rates as of March 29, 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 Sioux Falls, South 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 Sioux Falls, South Dakota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sioux Falls, 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: March 29, 2026
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: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedMarch 31, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.80%
▼
APR9.80%
Last UpdatedMarch 31, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.30%
▼
APR10.30%
Last UpdatedMarch 31, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.80%
▼
APR10.80%
Last UpdatedMarch 31, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.05%
▼
APR11.05%
Last UpdatedMarch 31, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.55%
▼
APR11.55%
Last UpdatedMarch 31, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.80%
▼
APR11.80%
Last UpdatedMarch 31, 2026
Details
679-650
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD, 57110 4412
Personal/Lifestyle Loan
12.00%
▼
APR12.00%
Last UpdatedMarch 31, 2026
Details
As Low As;Debt Consolidation
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.05%
▼
APR12.05%
Last UpdatedMarch 31, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.30%
▼
APR12.30%
Last UpdatedMarch 31, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.55%
▼
APR12.55%
Last UpdatedMarch 31, 2026
Details
679-650
Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Personal Loans
13.19%
▼
APR13.19%
Last UpdatedMarch 31, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.55%
▼
APR14.55%
Last UpdatedMarch 31, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.80%
▼
APR14.80%
Last UpdatedMarch 31, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.05%
▼
APR15.05%
Last UpdatedMarch 31, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.30%
▼
APR15.30%
Last UpdatedMarch 31, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.55%
▼
APR17.55%
Last UpdatedMarch 31, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.80%
▼
APR17.80%
Last UpdatedMarch 31, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 31, 2026
Details
599 and Below
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1371 Dakota Ave S, Huron, SD, 57350
Rec LOAN
5.27%
▼
APR5.27%
Last UpdatedMarch 31, 2026
Details
No additional details available.
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Recreational Loans
6.80%
▼
APR6.80%
Last UpdatedMarch 31, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 31, 2026
Details
over $250,000; As Low As; 5 year adjustable - starting at
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Land/Lot Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 31, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 31, 2026
Details
up to $250,000; As Low As; 10 year fixed
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 31, 2026
Details
As Low As; Including Debt Consolidation
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
9.40%
▼
APR9.40%
Last UpdatedMarch 31, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal Loans
9.40%
▼
APR9.40%
Last UpdatedMarch 31, 2026
Details
As Low As
Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354
A Loan for Your Personal Use
9.90%
▼
APR9.90%
Last UpdatedMarch 31, 2026
Details
As Low As
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
9.99%
▼
APR9.99%
Last UpdatedMarch 31, 2026
Details
Credit score 701+
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Loan
10.15%
▼
APR10.15%
Last UpdatedMarch 31, 2026
Details
No additional details available.
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 31, 2026
Details
As Low As; Any Purpose-Vacations, Projects, Repairs
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Vacation
10.25%
▼
APR10.25%
Last UpdatedMarch 31, 2026
Details
No additional details available.
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
10.40%
▼
APR10.40%
Last UpdatedMarch 31, 2026
Details
As Low As
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMarch 31, 2026
Details
As Low As
HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
375 3rd St SW, Huron, SD, 57350 1945
Signature
10.75%
▼
APR10.75%
Last UpdatedMarch 31, 2026
Details
No additional details available.
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
11.40%
▼
APR11.40%
Last UpdatedMarch 31, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
12.00%
▼
APR12.00%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 750+
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
12.40%
▼
APR12.40%
Last UpdatedMarch 31, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
12.50%
▼
APR12.50%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
13.00%
▼
APR13.00%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 750+
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
13.50%
▼
APR13.50%
Last UpdatedMarch 31, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
13.50%
▼
APR13.50%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
14.00%
▼
APR14.00%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 750+
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
327 Dakota Dunes Blvd, Dakota Dunes, SD, 57049
Personal
14.00%
▼
APR14.00%
Last UpdatedMarch 31, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
14.50%
▼
APR14.50%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 750+
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
14.99%
▼
APR14.99%
Last UpdatedMarch 31, 2026
Details
Credit score 650-700
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
15.00%
▼
APR15.00%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
15.50%
▼
APR15.50%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
16.00%
▼
APR16.00%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
16.50%
▼
APR16.50%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
17.00%
▼
APR17.00%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
17.50%
▼
APR17.50%
Last UpdatedMarch 31, 2026
Details
Credit Tier: 650-674
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
17.50%
▼
APR17.50%
Last UpdatedMarch 31, 2026
Details
Credit score <650
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Personal Loans
13.19%
▼
APR13.19%
Last UpdatedMarch 31, 2026
Details
No additional details available.
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal Loans
9.40%
▼
APR9.40%
Last UpdatedMarch 31, 2026
Details
As Low As
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Loan
10.15%
▼
APR10.15%
Last UpdatedMarch 31, 2026
Details
No additional details available.
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 31, 2026
Details
As Low As; Any Purpose-Vacations, Projects, Repairs
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMarch 31, 2026
Details
As Low As
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
13.50%
▼
APR13.50%
Last UpdatedMarch 31, 2026
Details
As Low As
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in Sioux Falls, SD currently.
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: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedMarch 31, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.80%
▼
APR9.80%
Last UpdatedMarch 31, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.30%
▼
APR10.30%
Last UpdatedMarch 31, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.80%
▼
APR10.80%
Last UpdatedMarch 31, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.05%
▼
APR11.05%
Last UpdatedMarch 31, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.55%
▼
APR11.55%
Last UpdatedMarch 31, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.80%
▼
APR11.80%
Last UpdatedMarch 31, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.05%
▼
APR12.05%
Last UpdatedMarch 31, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.30%
▼
APR12.30%
Last UpdatedMarch 31, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.55%
▼
APR12.55%
Last UpdatedMarch 31, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.55%
▼
APR14.55%
Last UpdatedMarch 31, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.80%
▼
APR14.80%
Last UpdatedMarch 31, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.05%
▼
APR15.05%
Last UpdatedMarch 31, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.30%
▼
APR15.30%
Last UpdatedMarch 31, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.55%
▼
APR17.55%
Last UpdatedMarch 31, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.80%
▼
APR17.80%
Last UpdatedMarch 31, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 31, 2026
Details
599 and Below
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 31, 2026
Details
As Low As; Including Debt Consolidation
HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
375 3rd St SW, Huron, SD, 57350 1945
Signature
10.75%
▼
APR10.75%
Last UpdatedMarch 31, 2026
Details
No additional details available.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Sioux Falls, SD currently.
Frequently Asked Questions
What credit score do I need for a personal loan in South Dakota?
Most lenders in Sioux Falls, 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 Sioux Falls, 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 Sioux Falls, 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 Sioux Falls, South Dakota?
Credit unions in Sioux Falls, 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 Sioux Falls, South Dakota?
- Service First Federal Credit Union: 9.30% (Signature Loan)
- Bluestone Federal Credit Union: 12.00% (Personal/Lifestyle Loan)
- Voyage Federal Credit Union: 13.19% (Personal Loans)
- Dakotaland Federal Credit Union: 5.27% (Rec LOAN)
- East River Federal Credit Union: 6.80% (Recreational Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sioux Falls, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 29, 2026.
Personal Loan Calculators
