Best Personal Loan Rates in Saint Francis, 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 Francis, Minnesota include: TopLine Financial Credit UnionTopLine Financial Credit Union23280 Saint Francis Blvd NW, Saint Francis, MN, 55070 9804A5.0 ★Texas Ratio: 6.64% offering Drive 4 Less Loans 2022 & Newer at 4.49% 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 Loans at 4.01% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and My Credit Union Bloomington, MNMy Credit Union Bloomington, MNA5.0 ★Texas Ratio: 7.81% offering Recreational Loans at 4.74% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Saint Francis has 1 local institution in our database, with personal loan rates as low as 4.49% APR from TopLine Financial Credit Union at 23280 Saint Francis Blvd NW, Saint Francis, MN, 55070 9804. 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 Francis, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saint Francis, 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 11, 2026
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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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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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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.
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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.
No additional details available.
No additional details available.
As Low As; including up to 36 months and rates as low as 5.9%.
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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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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; 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
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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.
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; Loan Amount: $5,000 - $30,000
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w/ Max Discount
No additional details available.
Unsecured up to $5,000 with a qualifying credit score.
No additional details available.
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
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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
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As Low As; Maximum without collateral is $5000
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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.
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
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up to $20,000
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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; Maximum amount of $25,000 or 20% of annual income.
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up to $20,000
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Personal Line of Credit
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As Low As; including up to 36 months and rates as low as 5.9%.
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As Low As; Loan Amount: $5,000 - $30,000
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No additional details available.
As Low As; Loan Amount: $5,000 - $30,000
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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
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Personal Line of Credit
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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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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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up to $20,000
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up to $20,000
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Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
up to $20,000
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Saint Francis, MN Personal Loan Rate Trends
Compare local Saint Francis, 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 0.547 points over the past 7 days to 10.407% APR.
Minnesota signature loan rates fell 1.523 points over the past 7 days to 9.598% 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 Francis, Minnesota?
What are the best personal loan rates in Saint Francis, Minnesota?
- TopLine Financial Credit Union: 4.49% (Drive 4 Less Loans 2022 & Newer)
- Alexandria Schools Employees Credit Union: 4.00% (Share Loan)
- Lake Central Bank: 4.01% (Credit Builder Loans)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- My Credit Union Bloomington, MN: 4.74% (Recreational Loans)
Personal Loan Calculators
