Best Personal Loan Rates in Lakeville, Minnesota (MN) - April 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 Lakeville, Minnesota include: Genisys Credit UnionGenisys Credit Union16106 Pilot Knob Rd Ste 140, Lakeville, MN, 55044 4109A+5.0 ★Texas Ratio: 5.03% offering Credit Builder Loan at 5.74% APR, Great Southern BankGreat Southern Bank10880 175th Ct W, Lakeville, MN, 55044A+5.0 ★Texas Ratio: 1.82% offering Unsecured Loan at 16.75% APR, Alexandria Schools Employees Credit UnionAlexandria Schools Employees Credit UnionA+5.0 ★Texas Ratio: 2.54% offering Share Loan at 4.00% APR, Lake Central BankLake Central BankA+5.0 ★Texas Ratio: 1.05% offering Credit Builder Loan at 4.01% APR, and TopLine Financial Credit UnionTopLine Financial Credit UnionA5.0 ★Texas Ratio: 6.64% offering Drive 4 Less Loans 2022 & Newer at 4.49% APR. Personal loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Lakeville has 2 local institutions in our database, with personal loan rates as low as 5.74% APR from Genisys Credit Union at 16106 Pilot Knob Rd Ste 140, Lakeville, MN, 55044 4109. 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 Lakeville, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lakeville, 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: April 12, 2026
As Low As; Rates, terms and availability of product subject to change without notice. Proof of Income is required.
As Low As; A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Approximate monthly payment would be $20.63 per $1,000 borrowed at 8.74% for 60 months. Maximum Secured Loan $40,000, Maximum aggregate loan amount not to exceed $49,999
As Low As; Loan Amount: $5,000 - $30,000
As Low As; *Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer.
As Low As; Loan Amount: $5,000 - $30,000
As Low As; *Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Minimum credit score required to qualify for this loan. Loan limits from $5,000 and up to $30,000 with terms up to 60 months. Limited time offer.
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As Low As; Annual Percentage Rates (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account.
As Low As; A minimum of 20% down payment is required. Loans are not eligible for discounts, GAP, MRC or credit life/disability. Maximum total loan aggregate can not exceed $49,999.
As Low As; *Annual Percentage Rates (APR) and terms may vary depending upon payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Must be Genisys Credit Union member for at least 3 months. Proof of Income is required.
No additional details available.
As Low As; *Approximate monthly payment would be $91.49 for $1,000 borrowed at 17.64% APR for 12 months. APR is annual percentage yield. Must have direct deposits of at least $1,500 per month deposited to a Genisys Credit Union account for the three months prior to application. Must be a member in good standing and not have any current loan delinquency or negative deposit account balance with Genisys Credit Union at the time of application. Direct deposit required, automatic payment encouraged. Only one Express Loan can be open at a time. No more than 3 new Express Loans in a six month rolling period. Limited time offer. Other rules and restrictions apply.
The share loan rate is determined by adding 1.50% to the tiered savings rate. Secured by share/savings account at Credit Union pledged as collateral.
Waived processing fee
The share loan rate is determined by adding 1.50% to the tiered savings rate. Secured by share/savings account at Credit Union pledged as collateral.
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No additional details available.
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The share loan rate is determined by adding 1.50% to the tiered savings rate. Secured by share/savings account at Credit Union pledged as collateral.
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No additional details available.
No additional details available.
As Low As; Must provide proof of studentship.
This APR will vary with the market based on the dividend rate.
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The share loan rate is determined by adding 1.50% to the tiered savings rate. Secured by share/savings account at Credit Union pledged as collateral.
No additional details available.
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No additional details available.
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As Low As; including up to 36 months and rates as low as 5.9%.
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No additional details available.
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Interest-only 12 month terms
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As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
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As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
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w/ Max Discount
As Low As; *APR = Annual Percentage Rate. Rates are as low as and subject to approval. Rates may vary, based on credit history, loan term and age of collateral. A down payment may be required. Rates include a .25% discount for automatic payment. Rate is intended for new loans and is not valid for the refinancing of existing SharePoint loans. An additional $25 fee will be charged at the time of loan origination which will increase the final APR. Rates are subject to change without notice. Interest will continue to accrue. Timing of first payment will vary based on approved loan terms and cannot be subject to negative amortization. Contact a SharePoint Representative for full details.
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w/ Max Discount
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No additional details available.
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w/ Max Discount
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
As Low As; Fixed rate. Stated rate is for 5 year term. Other rates and LTV's available.
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w/ Max Discount
No additional details available.
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Unsecured up to $5,000 with a qualifying credit score.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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Fixed rates starting at
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Be Free in Up to 5 Years
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As Low As; Maximum without collateral is $5000
No additional details available.
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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up to $20,000
As Low As; $10,000 maximum * up to 60 months financing
No additional details available.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
up to $20,000
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No additional details available.
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Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
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As Low As; Over $2,000
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No additional details available.
As Low As; Maximum amount of $25,000 or 20% of annual income.
w/ Max Discount
up to $20,000
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As Low As; Disclosed rate includes a .25% discount for auto pay from a BTCU checking account.
As Low As; View Rates
No additional details available.
No additional details available.
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As Low As; 48 Month Terms as low as
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Personal Line of Credit
No additional details available.
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As Low As; Loan Amount: $5,000 - $30,000
As Low As; Loan Amount: $5,000 - $30,000
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As Low As; including up to 36 months and rates as low as 5.9%.
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No additional details available.
No additional details available.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
No additional details available.
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No additional details available.
Fixed rates starting at
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Be Free in Up to 5 Years
As Low As; Maximum amount of $25,000 or 20% of annual income.
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No additional details available.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
As Low As; Maximum amount of $25,000 or 20% of annual income.
As Low As; Disclosed rate includes a .25% discount for auto pay from a BTCU checking account.
As Low As; View Rates
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Personal Line of Credit
No additional details available.
As Low As; Must provide proof of studentship.
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No additional details available.
No additional details available.
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No additional details available.
Unsecured up to $5,000 with a qualifying credit score.
No additional details available.
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
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As Low As; $10,000 maximum * up to 60 months financing
up to $20,000
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No additional details available.
up to $20,000
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Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
As Low As; Over $2,000
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up to $20,000
No additional details available.
No additional details available.
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Lakeville, MN Personal Loan Rate Trends
Compare local Lakeville, 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 currently average 10.520% APR.
Minnesota signature loan rates currently average 12.581% APR.
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 Lakeville, Minnesota?
What are the best personal loan rates in Lakeville, Minnesota?
- Genisys Credit Union: 5.74% (Credit Builder Loan)
- Great Southern Bank: 16.75% (Unsecured Loan)
- Alexandria Schools Employees Credit Union: 4.00% (Share Loan)
- Lake Central Bank: 4.01% (Credit Builder Loan)
- TopLine Financial Credit Union: 4.49% (Drive 4 Less Loans 2022 & Newer)
Personal Loan Calculators
