Best Personal Loan Rates in Tea, South Dakota (SD) - March 2026
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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 Tea, South Dakota include: Explorers Federal Credit UnionExplorers Federal Credit Union730 E 1st St, Tea, SD, 57064A+5.0 ★Texas Ratio: 3.21% offering PERSONAL UNSECURED at 12.00% 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, 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, Sentinel Federal Credit UnionSentinel Federal Credit Union2723 LeMay Blvd, Ellsworth AFB, SD, 57706A+5.0 ★Texas Ratio: 4.56% offering Land/Lot Loans at 7.25% APR, and Interfaith Federal Credit UnionInterfaith Federal Credit Union815 Columbus St, Rapid City, SD, 57701A+5.0 ★Texas Ratio: 1.60% offering Faith Organization Loans at 7.25% APR. Personal loan rates as of March 25, 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 Tea, 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 Tea, South Dakota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Tea, 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 25, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
12.50%
▼
APR12.50%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
13.00%
▼
APR13.00%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
13.50%
▼
APR13.50%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
14.00%
▼
APR14.00%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
14.50%
▼
APR14.50%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
15.00%
▼
APR15.00%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
15.50%
▼
APR15.50%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
16.00%
▼
APR16.00%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
16.50%
▼
APR16.50%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
17.00%
▼
APR17.00%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
17.50%
▼
APR17.50%
Last UpdatedMarch 26, 2026
Details
Credit Tier: 650-674
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 26, 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 26, 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
Land/Lot Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 26, 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
7.25%
▼
APR7.25%
Last UpdatedMarch 26, 2026
Details
over $250,000; As Low As; 5 year adjustable - starting at
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 26, 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 26, 2026
Details
As Low As; Including 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
9.30%
▼
APR9.30%
Last UpdatedMarch 26, 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 26, 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/Holiday Loans
9.40%
▼
APR9.40%
Last UpdatedMarch 26, 2026
Details
As Low As
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 26, 2026
Details
No additional details available.
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 26, 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 26, 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 26, 2026
Details
No additional details available.
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 26, 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 26, 2026
Details
As Low As; Any Purpose-Vacations, Projects, Repairs
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 26, 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 26, 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 26, 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 26, 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
10.80%
▼
APR10.80%
Last UpdatedMarch 26, 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
11.05%
▼
APR11.05%
Last UpdatedMarch 26, 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 26, 2026
Details
As Low As
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 26, 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
11.80%
▼
APR11.80%
Last UpdatedMarch 26, 2026
Details
No additional details available.
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 26, 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 26, 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
12.30%
▼
APR12.30%
Last UpdatedMarch 26, 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
12.40%
▼
APR12.40%
Last UpdatedMarch 26, 2026
Details
As Low As
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 26, 2026
Details
No additional details available.
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 26, 2026
Details
No additional details available.
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 26, 2026
Details
As Low As
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 26, 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 26, 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
14.80%
▼
APR14.80%
Last UpdatedMarch 26, 2026
Details
No additional details available.
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 26, 2026
Details
Credit score 650-700
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 26, 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
15.30%
▼
APR15.30%
Last UpdatedMarch 26, 2026
Details
No additional details available.
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 26, 2026
Details
Credit score <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
17.55%
▼
APR17.55%
Last UpdatedMarch 26, 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
17.80%
▼
APR17.80%
Last UpdatedMarch 26, 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
18.00%
▼
APR18.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 26, 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 26, 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 26, 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 26, 2026
Details
As Low As
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 26, 2026
Details
No additional details available.
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 26, 2026
Details
As Low As
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in Tea, SD currently.
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: 1.60%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 2026
Details
As Low As; Including 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
9.30%
▼
APR9.30%
Last UpdatedMarch 26, 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
9.80%
▼
APR9.80%
Last UpdatedMarch 26, 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
10.30%
▼
APR10.30%
Last UpdatedMarch 26, 2026
Details
No additional details available.
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 26, 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
10.80%
▼
APR10.80%
Last UpdatedMarch 26, 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
11.05%
▼
APR11.05%
Last UpdatedMarch 26, 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
11.55%
▼
APR11.55%
Last UpdatedMarch 26, 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
11.80%
▼
APR11.80%
Last UpdatedMarch 26, 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
12.05%
▼
APR12.05%
Last UpdatedMarch 26, 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
12.30%
▼
APR12.30%
Last UpdatedMarch 26, 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
12.55%
▼
APR12.55%
Last UpdatedMarch 26, 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 26, 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
14.80%
▼
APR14.80%
Last UpdatedMarch 26, 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
15.05%
▼
APR15.05%
Last UpdatedMarch 26, 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
15.30%
▼
APR15.30%
Last UpdatedMarch 26, 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
17.55%
▼
APR17.55%
Last UpdatedMarch 26, 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
17.80%
▼
APR17.80%
Last UpdatedMarch 26, 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
18.00%
▼
APR18.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Powered by
MonitorBankRates
No home improvement personal loan rates found in Tea, SD currently.
Frequently Asked Questions
What credit score do I need for a personal loan in South Dakota?
Most lenders in Tea, 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 Tea, 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 Tea, 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 Tea, South Dakota?
Credit unions in Tea, 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 Tea, South Dakota?
- Explorers Federal Credit Union: 12.00% (PERSONAL UNSECURED)
- Dakotaland Federal Credit Union: 5.27% (Rec LOAN)
- East River Federal Credit Union: 6.80% (Recreational Loans)
- Sentinel Federal Credit Union: 7.25% (Land/Lot Loans)
- Interfaith Federal Credit Union: 7.25% (Faith Organization Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tea, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 25, 2026.
Personal Loan Calculators
