Best Personal Loan Rates in Sioux Falls, South Dakota (SD) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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 Personal Loans 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, Dakotaland Federal Credit UnionDakotaland Federal Credit UnionA+5.0 ★Texas Ratio: 3.55% offering Construction Loan at 3.99% APR, HIGHMARKHIGHMARKA5.0 ★Texas Ratio: 11.71% offering Construction Loan at 4.99% APR, and East River Federal Credit UnionEast River Federal Credit UnionA+5.0 ★Texas Ratio: 3.86% offering Recreational Loans at 6.05% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Sioux Falls has 2 local institutions in our database, with personal loan rates as low as 9.30% APR from Service First Federal Credit Union at 3901 E 10th St, Sioux Falls, SD, 57103 2133. 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 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: May 12, 2026
As Low As
750+
750+
750+
750+
749-680
749-680
679-650
Debt Consolidation
679-650
679-650
679-650
649-600
649-600
649-600
649-600
599 and Below
599 and Below
599 and Below
Rates as low as mortgage loans only
As Low As
As Low As
Credit Score: 725 - UP
As Low As
over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
Credit Score: 675-724
up to $250,000; As Low As; 10 year fixed
Credit Score: 725 - UP
Credit Score: 650-674
As Low As; Including Debt Consolidation
Credit Score: 725 - UP
As Low As
As Low As
Credit score 701+
As Low As; Up to $50,000
No additional details available.
As Low As
As Low As; Any Purpose-Vacations, Projects, Repairs
No additional details available.
Credit Score: 600 - DOWN
As Low As
Credit Score: 650-674
Credit Score: 675-724
Credit Score: 600 - DOWN
Credit Tier: 750+
Credit Score: 650-674
Credit Tier: 750+
Credit Score: 600 - DOWN
Credit Tier: 750+
Credit Tier: 700-749
Credit Tier: 750+
No additional details available.
Credit Tier: 750+
Credit score 650-700
Credit Tier: 675-699
Credit Tier: 700-749
Credit Tier: 700-749
Credit Tier: 675-699
Credit Tier: 675-699
Credit Tier: 650-674
Credit score <650
As Low As
As Low As
As Low As
No additional details available.
As Low As; Any Purpose-Vacations, Projects, Repairs
As Low As
750+
750+
750+
750+
749-680
749-680
679-650
679-650
679-650
679-650
649-600
649-600
649-600
649-600
599 and Below
599 and Below
599 and Below
As Low As; Including Debt Consolidation
Sioux Falls, SD Personal Loan Rate Trends
Compare local Sioux Falls, SD 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.
South Dakota personal loan rates currently average 12.523% APR.
South Dakota signature loan rates rose 0.046 points over the past 7 days to 11.053% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sioux Falls, 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 Sioux Falls, 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 Sioux Falls, 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?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in South Dakota?
Are credit unions or banks better for personal loans in Sioux Falls, South Dakota?
What are the best personal loan rates in Sioux Falls, South Dakota?
- Service First Federal Credit Union: 9.30% (Personal Loans)
- Bluestone Federal Credit Union: 12.00% (Personal/Lifestyle Loan)
- Dakotaland Federal Credit Union: 3.99% (Construction Loan)
- HIGHMARK: 4.99% (Construction Loan)
- East River Federal Credit Union: 6.05% (Recreational Loans)
Personal Loan Calculators
