Best Personal Loan Rates in Saint Paul, Minnesota - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Saint Paul, Minnesota include: TopLine Financial Credit UnionTopLine Financial Credit Union976 Lexington Pkwy N, Saint Paul, MN, 55103A5.0 ★Texas Ratio: 6.35% offering 2022 & Newer Loan at 3.99% APR, Associated Healthcare Credit UnionAssociated Healthcare Credit Union360 Sherman St, Saint Paul, MN, 55102A+5.0 ★Texas Ratio: 2.23% offering Scholar Loan at 5.00% APR, Pipefitters Steamfitters Credit UnionPipefitters Steamfitters Credit Union1301 L Orient St, Saint Paul, MN, 55117 4073A+5.0 ★Texas Ratio: 3.60% offering Personal Unsecured Loan at 6.75% APR, TruStone Financial Credit UnionTruStone Financial Credit Union757 Cleveland Ave S, Saint Paul, MN, 55116A+5.0 ★Texas Ratio: 5.11% offering Personal Loan (Unsecured) at 10.99% APR, and Carpenters Federal Credit UnionCarpenters Federal Credit Union720 Olive St, Saint Paul, MN, 55130 4405A+5.0 ★Texas Ratio: 1.73% offering Unsecured Loans at 11.04% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Saint Paul has 7 local institutions in our database, with personal loan rates as low as 3.99% APR from TopLine Financial Credit Union at 976 Lexington Pkwy N, Saint Paul, MN, 55103. 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 Paul, Minnesota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saint Paul, 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
Saint Paul Personal Loan Rates
As Low As; starting at 3.99%
As Low As; starting at 4.49%
As Low As; starting at 4.49%
As Low As
As Low As; starting at 4.89%
As Low As; starting at 4.99%
As Low As; starting at 4.99%
As Low As
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; starting at 5.29%
As Low As; starting at 5.39%
As Low As
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
As Low As; starting at 5.79%
As Low As; starting at 5.79%
As Low As; starting at 5.89%
As Low As
As Low As; starting at 5.99%
As Low As; starting at 5.99%
As Low As
As Low As
As Low As; starting at 6.39%
No additional details available.
As Low As
As Low As; *
As Low As
As Low As; *
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
The lowest APR for Unsecured Loans is 11.49%.
No additional details available.
No additional details available.
No additional details available.
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.
No additional details available.
No additional details available.
As Low As
Vehicle Age: 0-2 years
Vehicle Age: 0-2 years
Vehicle Age: 0-2 years
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
Vehicle Age: 0-2 years
Vehicle Age: 0-2 years
Vehicle Age: 0-2 years
Vehicle Age: 3-5 years
Vehicle Age: 3-5 years
Vehicle Age: 3-5 years
Vehicle Age: 0-2 years
As Low As
No additional details available.
Vehicle Age: 3-5 years
Vehicle Age: 3-5 years
Vehicle Age: 3-5 years
No additional details available.
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?
Vehicle Age: 6-10 years
No additional details available.
As Low As
As Low As
Vehicle Age: 6-10 years
Vehicle Age: 6-10 years
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.
Up to $10,000; As Low As
APR*
As Low As
Rates As Low As?
Vehicle Age: 6-10 years
Vehicle Age: 6-10 years
Vehicle Age: 6-10 years
No additional details available.
As Low As
Rates as low as
As Low As
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
As Low As; Model Year: 2023 - 2024
Rates start at; Your actual rate may be different depending on your payment and credit history.
Vehicle Age: 0-2 years
Vehicle Age: 10+ years
Vehicle Age: 0-2 years
Vehicle Age: 0-2 years
Vehicle Age: 10+ years
Vehicle Age: 10+ years
Vehicle Age: 0-2 years
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.
Vehicle Age: 10+ years
Vehicle Age: 10+ years
Vehicle Age: 10+ years
Vehicle Age: 0-2 years
Vehicle Age: 0-2 years
As Low As
As Low As
As Low As; Model Year: 2020 - 2022
Vehicle Age: 0-2 years
Vehicle Age: 0-2 years
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.
Receive rewards for purchasing Toro Equipment. Talk to us.
Rates start at; Your actual rate may be different depending on your payment and credit history.
Vehicle Age: 0-2 years
Vehicle Age: 0-2 years
Vehicle Age: 3-5 years
Vehicle Age: 3-5 years
Vehicle Age: 3-5 years
Vehicle Age: 3-5 years
As Low As; Model Year: 2015 - 2019
Vehicle Age: 3-4 years
No additional details available.
Vehicle Age: 3-4 years
Vehicle Age: 0-2 years
Vehicle Age: 0-2 years
Vehicle Age: 3-5 years
Vehicle Age: 0-2 years
Vehicle Age: 3-5 years
Vehicle Age: 3-4 years
Vehicle Age: 3-5 years
As Low As; Model Year: 2015 - 2019
Vehicle Age: 3-4 years
Rates start at; Your actual rate may be different depending on your payment and credit history.
Vehicle Age: 0-2 years
Vehicle Age: 5-7 years
Vehicle Age: 6-10 years
Vehicle Age: 5-7 years
Vehicle Age: 6-10 years
Vehicle Age: 6-10 years
Vehicle Age: 6-10 years
Vehicle Age: 3-4 years
Vehicle Age: 0-2 years
Vehicle Age: 5-7 years
Vehicle Age: 6-10 years
Vehicle Age: 5-7 years
Vehicle Age: 10+ years
Vehicle Age: 6-10 years
Vehicle Age: 10+ years
Vehicle Age: 10+ years
Vehicle Age: 10+ years
Vehicle Age: 3-4 years
Vehicle Age: 6-10 years
Saint Paul Personal Loan Rates
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
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.
Saint Paul Debt Consolidation Loan Rates
Saint Paul Signature Loan Rates
As Low As
No additional details available.
Saint Paul, MN Personal Loan Rate Trends
Compare local Saint Paul, 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 Saint Paul, 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 Saint Paul, 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 Saint Paul, 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 Saint Paul, Minnesota?
What are the best personal loan rates in Saint Paul, Minnesota?
- TopLine Financial Credit Union: 3.99% (2022 & Newer Loan)
- Associated Healthcare Credit Union: 5.00% (Scholar Loan)
- Pipefitters Steamfitters Credit Union: 6.75% (Personal Unsecured Loan)
- TruStone Financial Credit Union: 10.99% (Personal Loan (Unsecured))
- Carpenters Federal Credit Union: 11.04% (Unsecured Loans)
Saint Paul, Minnesota Rates & Resources
Personal Loan Calculators
