Best Personal Loan Rates in Austin, Minnesota - July 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 Austin, Minnesota include: Accentra Credit UnionAccentra Credit Union400 4th Ave NE, Austin, MN, 55912B+4.8 ★Texas Ratio: 15.75% offering 36 Months Loan at 4.87% APR, TopLine Financial Credit UnionTopLine Financial Credit UnionA5.0 ★Texas Ratio: 6.35% offering 2022 & Newer Loan at 3.99% APR, Lake Central BankLake Central BankA+5.0 ★Texas Ratio: 1.05% offering Credit Builder Loan at 4.01% APR, Hibbing Cooperative Credit UnionHibbing Cooperative Credit UnionA+5.0 ★Texas Ratio: 0.97% offering New - No Miles Loan at 4.59% APR, and Expedition Credit UnionExpedition Credit UnionA+5.0 ★Texas Ratio: 2.24% offering 2021 and newer Loan at 4.74% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Austin has 1 local institution in our database, with personal loan rates as low as 4.87% APR from Accentra Credit Union at 400 4th Ave NE, Austin, MN, 55912. 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 Austin, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Austin, Minnesota. 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: July 25, 2026
Austin Personal Loan Rates
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As Low As
As Low As
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As Low As
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As Low As
As Low As; starting at 3.99%
Annual Percentage Rate. The interest rate is 4.000% (4.009% ARP) is based on a $1,000 personal loan secured by $1,000 held in a Lake Central Bank savings account, with the loan payment term being twelve (12) months. Waived processing fee. Rates effective as of 3/1/2019 and are subject to change without notice.
As Low As; starting at 4.49%
As Low As; starting at 4.49%
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; starting at 4.89%
As Low As
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As Low As
As Low As
As Low As
As Low As
As Low As; starting at 4.99%
As Low As
As Low As; starting at 4.99%
As Low As; starting at 4.99%
Maximum loan amount is $5,000. Loan Funds will be deposited into an AHCU Checking Account. Low-cost Credit Life and Disability Protection available. Supports students with little to no credit history. Co-signer may be required.
As Low As
No additional details available.
As Low As; starting at 5.29%
No additional details available.
As Low As
As Low As; starting at 5.39%
As Low As; starting at 5.49%
As Low As; starting at 5.49%
As Low As; starting at 5.49%
As Low As
As Low As
No additional details available.
Your actual rate may vary depending on creditworthiness and other factors. Rates subject to change.
No additional details available.
Rates As Low As?
No additional details available.
Rates As Low As?
As Low As*; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
APR*
As Low As; starting at 5.79%
As Low As; starting at 5.79%
Rates As Low As?
As Low As; starting at 5.89%
As Low As
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As Low As
As Low As
Rates as low as
As Low As; starting at 5.99%
As Low As
As Low As; starting at 5.99%
As Low As
As Low As
Rates start at; Your actual rate may be different depending on your payment and credit history.
As Low As; Model Year: 2023 - 2024
Rates start at; Your actual rate may be different depending on your payment and credit history.
As Low As
As Low As; starting at 6.39%
As Low As
No additional details available.
As Low As
As Low As; Model Year: 2023 - 2024
Rates start at; Your actual rate may be different depending on your payment and credit history.
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As Low As
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As Low As; Model Year: 2020 - 2022
Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may increase based on current credit history. Rate may also vary based on age of collateral and term of loan.
Rates start at; Your actual rate may be different depending on your payment and credit history.
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As Low As; Model Year: 2015 - 2019
Rates start at; Your actual rate may be different depending on your payment and credit history.
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As Low As; *
Austin Personal Loan Rates
As Low As*; Annual Percentage Yield designated as APR. Rates, terms and availability of product subject to change without notice. Proof of Income is required. Approximate monthly payment would be $85.95 per $1,000 borrowed at 5.74% for 12 months.
Austin Debt Consolidation Loan Rates
Austin Signature Loan Rates
As Low As
Austin, MN Personal Loan Rate Trends
Compare local Austin, MN 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.
Minnesota personal loan rates fell 0.007 points over the past 7 days to 10.925% APR.
Minnesota signature loan rates currently average 12.363% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Austin, Minnesota 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 Austin, Minnesota 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 Austin, Minnesota. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in MN.
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 Minnesota?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Minnesota?
Are credit unions or banks better for personal loans in Austin, Minnesota?
What are the best personal loan rates in Austin, Minnesota?
- Accentra Credit Union: 4.87% (36 Months Loan)
- TopLine Financial Credit Union: 3.99% (2022 & Newer Loan)
- Lake Central Bank: 4.01% (Credit Builder Loan)
- Hibbing Cooperative Credit Union: 4.59% (New - No Miles Loan)
- Expedition Credit Union: 4.74% (2021 and newer Loan)
Personal Loan Calculators
