Best Personal Loan Rates in Saint Cloud, 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 Saint Cloud, Minnesota include: TruStone Financial Credit UnionTruStone Financial Credit Union3240 W Division St, Saint Cloud, MN, 56301 3821A+5.0 ★Texas Ratio: 5.44% offering Adoption Loan at 8.49% APR, Catholic United Financial Credit UnionCatholic United Financial Credit Union120 10th Ave N, SAINT CLOUD, MN, 56303A+5.0 ★Texas Ratio: 2.81% offering Personal Loans at 10.99% APR, Lake Central BankLake Central BankA+5.0 ★Texas Ratio: 1.05% offering Credit Builder Loans at 4.01% APR, Alexandria Schools Employees Credit UnionAlexandria Schools Employees Credit UnionA+5.0 ★Texas Ratio: 2.54% offering Share Loan at 4.15% 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 6, 2026 according to verified data from MonitorBankRates.
Saint Cloud has 2 local institutions in our database, with personal loan rates as low as 8.49% APR from TruStone Financial Credit Union at 3240 W Division St, Saint Cloud, MN, 56301 3821. 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 Saint Cloud, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saint Cloud, 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 6, 2026
As Low As
As Low As; APR - Annual Percentage Rate. The posted rate is based on a credit score of at least 750 and a loan term of 36-months. Your loan rate will be determined by your credit score, the term of the loan, and the repayment method. Loans are subject to credit approval.
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Waived processing fee
Secured by share/savings account at Credit Union pledged as collateral.
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No additional details available.
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As Low As; 3, 4, or 5 year terms new or used motor & recreational vehicles
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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As Low As; Proof of Income is required.
New
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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
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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
w/ Max Discount
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
No additional details available.
No additional details available.
No additional details available.
As Low As; Flexible loan terms; Plus - make no payments for 60 days!
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w/ Max Discount
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
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As Low As; Minimum Loan $500.00
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w/ Max Discount
No additional details available.
No additional details available.
No additional details available.
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As Low As; 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.
No additional details available.
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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.
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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.
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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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As Low As; N/A
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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.
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No additional details available.
No additional details available.
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
As Low As; Over $2,000
As Low As; Loan Amount: Up to $30,000
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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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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.
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No additional details available.
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Personal Line of Credit
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.
As Low As; APR - Annual Percentage Rate. The posted rate is based on a credit score of at least 750 and a loan term of 36-months. Your loan rate will be determined by your credit score, the term of the loan, and the repayment method. Loans are subject to credit approval.
As Low As
As Low As; including up to 36 months and rates as low as 5.9%.
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As Low As; Flexible loan terms; Plus - make no payments for 60 days!
No additional details available.
No additional details available.
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As Low As; Minimum Loan $500.00
No additional details available.
No additional details available.
No additional details available.
As Low As; 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.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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Be Free in Up to 5 Years
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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; Maximum amount of $25,000 or 20% of annual income.
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; N/A
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
As Low As; Over $2,000
up to $20,000
No additional details available.
No additional details available.
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No additional details available.
Saint Cloud, MN Personal Loan Rate Trends
Compare local Saint Cloud, 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 rose 0.144 points over the past 7 days to 9.766% APR.
Minnesota signature loan rates rose 0.158 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 Saint Cloud, Minnesota?
What are the best personal loan rates in Saint Cloud, Minnesota?
- TruStone Financial Credit Union: 8.49% (Adoption Loan)
- Catholic United Financial Credit Union: 10.99% (Personal Loans)
- Lake Central Bank: 4.01% (Credit Builder Loans)
- Alexandria Schools Employees Credit Union: 4.15% (Share Loan)
- TopLine Financial Credit Union: 4.49% (Drive 4 Less Loans 2022 & Newer)
Personal Loan Calculators
