Best Personal Loan Rates in Minneapolis, 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 Minneapolis, Minnesota include: Baxter Credit UnionBaxter Credit Union1000 Nicollet Mall, Minneapolis, MN, 55403A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, TruStone Financial Credit UnionTruStone Financial Credit Union2817 Lyndale Ave S, Minneapolis, MN, 55408A+5.0 ★Texas Ratio: 5.44% offering Adoption Loan at 8.49% APR, Latvian Credit UnionLatvian Credit Union3152 17th Ave S, Minneapolis, MN, 55407A+5.0 ★Texas Ratio: 1.30% offering Lifestyle Loan at 9.25% APR, Transit Operations Federal Credit UnionTransit Operations Federal Credit Union725 N 7TH ST, MINNEAPOLIS, MN, 55411A-5.0 ★Texas Ratio: 15.36% offering Unsecured Loans at 10.00% APR, and Electric Machinery Employees Credit UnionElectric Machinery Employees Credit Union800 CENTRAL AVE NE, MINNEAPOLIS, MN, 55413 2403A+5.0 ★Texas Ratio: 1.94% offering Unsecured (signature) at 10.49% APR. Personal loan rates as of April 8, 2026 according to verified data from MonitorBankRates.
Minneapolis has 5 local institutions in our database, with personal loan rates as low as 4.50% APR from Baxter Credit Union at 1000 Nicollet Mall, Minneapolis, MN, 55403. 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 Minneapolis, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Minneapolis, 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 8, 2026
No additional details available.
As Low As
As Low As
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Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
As Low As; Maximum without collateral is $5000
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
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Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount*: 80%
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount*: 80%
$20 application fee; up to $1000, 6 month repayment, no rollovers
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.
As Low As
As Low As
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.
As Low As
As Low As
As Low As; Must provide proof of studentship.
This APR will vary with the market based on the dividend rate.
No additional details available.
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.
As Low As; Rates, terms and availability of product subject to change without notice. Proof of Income is required.
As Low As
New
No additional details available.
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As Low As; including up to 36 months and rates as low as 5.9%.
No additional details available.
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interest only
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Interest-only 12 month terms
As Low As
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As Low As
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
As Low As
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.
As Low As
As Low As
As Low As
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.
w/ Max Discount
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No additional details available.
w/ Max Discount
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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
w/ Max Discount
w/ Max Discount
As Low As
No additional details available.
No additional details available.
No additional details available.
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w/ Max Discount
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; Minimum Loan $500.00
As Low As
No additional details available.
w/ Max Discount
As Low As
Unsecured up to $5,000 with a qualifying credit score.
No additional details available.
As Low As; Maximum amount of $25,000 or 20% of annual income.
As Low As
Fixed rates starting at
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As Low As
No additional details available.
No additional details available.
Be Free in Up to 5 Years
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
As Low As
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.
No additional details available.
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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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No additional details available.
As Low As; Maximum amount of $25,000 or 20% of annual income.
As Low As
No additional details available.
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up to $20,000
As Low As
No additional details available.
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As Low As; Over $2,000
As Low As; Over $2,000
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As Low As
No additional details available.
As Low As; Maximum amount of $25,000 or 20% of annual income.
w/ Max Discount
up to $20,000
As Low As
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.
As Low As
No additional details available.
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As Low As
As Low As; including up to 36 months and rates as low as 5.9%.
As Low As
No additional details available.
No additional details available.
As Low As; Loan Amount: $5,000 - $30,000
As Low As; Minimum Loan $500.00
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As Low As; Maximum amount of $25,000 or 20% of annual income.
Fixed rates starting at
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Be Free in Up to 5 Years
As Low As; Loan Amount: $5,000 - $30,000
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.
As Low As
No additional details available.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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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
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
As Low As
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Credit Score: B; Paper Grade: 640 - 679; Maximum Amount*: 90%
Credit Score: C; Paper Grade: 600 - 639; Maximum Amount*: 80%
As Low As; Must provide proof of studentship.
As Low As
No additional details available.
No additional details available.
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As Low As
No additional details available.
Unsecured up to $5,000 with a qualifying credit score.
No additional details available.
As Low As
up to $20,000
As Low As; $10,000 maximum * up to 60 months financing
No additional details available.
As Low As
up to $20,000
As Low As
As Low As; Over $2,000
As Low As; Over $2,000
up to $20,000
No additional details available.
No additional details available.
Minneapolis, MN Personal Loan Rate Trends
Compare local Minneapolis, 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 0.248 points over the past 7 days to 10.554% APR.
Minnesota signature loan rates rose 1.491 points over the past 7 days to 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 Minneapolis, Minnesota?
What are the best personal loan rates in Minneapolis, Minnesota?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- TruStone Financial Credit Union: 8.49% (Adoption Loan)
- Latvian Credit Union: 9.25% (Lifestyle Loan)
- Transit Operations Federal Credit Union: 10.00% (Unsecured Loans)
- Electric Machinery Employees Credit Union: 10.49% (Unsecured (signature))
Personal Loan Calculators
