Best Personal Loan Rates in Saint Paul, 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 Paul, Minnesota include: TopLine Financial Credit UnionTopLine Financial Credit Union976 Lexington Pkwy N, Saint Paul, MN, 55103A5.0 ★Texas Ratio: 6.64% offering Drive 4 Less Loans 2022 & Newer at 4.49% APR, Baxter Credit UnionBaxter Credit Union4201 Lexington Ave N, Saint Paul, MN, 55126 6164A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Associated Healthcare Credit UnionAssociated Healthcare Credit Union360 Sherman St, Saint Paul, MN, 55102A+5.0 ★Texas Ratio: 2.30% offering Scholar Loan at 5.00% APR, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union175 W Lafayette Frontage Rd, Saint Paul, MN, 55107 1420A+5.0 ★Texas Ratio: 5.62% offering Holiday Loan at 5.99% APR, and Pipefitters Steamfitters Credit UnionPipefitters Steamfitters Credit Union1301 L Orient St, Saint Paul, MN, 55117 4073A+5.0 ★Texas Ratio: 3.69% offering Personal Unsecured at 6.75% APR. Personal loan rates as of April 5, 2026 according to verified data from MonitorBankRates.
Saint Paul has 12 local institutions in our database, with personal loan rates as low as 4.49% 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: April 5, 2026
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As Low As; Must provide proof of studentship.
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Fixed-Rate
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w/ Max Discount
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As Low As; Flexible loan terms; Plus - make no payments for 60 days!
No additional details available.
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w/ Max Discount
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w/ Max Discount
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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.
No additional details available.
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w/ Max Discount
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w/ Max Discount
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Waived processing fee
Secured by share/savings account at Credit Union pledged as collateral.
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As Low As; 3, 4, or 5 year terms new or used motor & recreational vehicles
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
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
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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Available in Arizona, FL, Iowa, Minnesota and Wisconsin.
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Available in Arizona, FL, Iowa, Minnesota and Wisconsin.
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%
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As Low As; Minimum Loan $500.00
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Be Free in Up to 5 Years
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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.
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As Low As; Maximum amount of $25,000 or 20% of annual income.
Unsecured up to $5,000 with a qualifying credit score.
No additional details available.
As Low As; Maximum without collateral is $5000
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Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
Credit Score: A+; Paper Grade: 730 & UP; Maximum Amount*: 120%
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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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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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; Loan Amount: Up to $30,000
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As Low As; Flexible loan terms; Plus - make no payments for 60 days!
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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.
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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Be Free in Up to 5 Years
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As Low As; Maximum amount of $25,000 or 20% of annual income.
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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No additional details available.
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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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No additional details available.
up to $20,000
Credit Score: A; Paper Grade: 680 - 729; Maximum Amount*: 100%
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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 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 Paul, Minnesota?
What are the best personal loan rates in Saint Paul, Minnesota?
- TopLine Financial Credit Union: 4.49% (Drive 4 Less Loans 2022 & Newer)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Associated Healthcare Credit Union: 5.00% (Scholar Loan)
- Affinity Plus Federal Credit Union: 5.99% (Holiday Loan)
- Pipefitters Steamfitters Credit Union: 6.75% (Personal Unsecured)
Personal Loan Calculators
