Best Personal Loan Rates in North Dakota (ND) - May 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 North Dakota include: Aspire Community Federal Credit UnionAspire Community Federal Credit Union1430 S BROADWAY, MINOT, ND, 58701 5933A+5.0 ★Texas Ratio: 3.73% offering Recreational Loans at 6.25% APR, Service Federal Credit UnionService Federal Credit Union589 Holzapple St Bldg 210, Grand Forks Afb, ND, 58204 1020A5.0 ★Texas Ratio: 10.17% offering Motorcyles Loan at 8.24% APR, Med Park Credit UnionMed Park Credit Union2150 32nd Ave S Ste E, Grand Forks, ND, 58201A+5.0 ★Texas Ratio: 0.17% offering Signature Loan at 9.00% APR, POSTAL FAMILYPOSTAL FAMILY2730 12TH AVE S, FARGO, ND, 58103A+5.0 ★Texas Ratio: 3.64% offering Personal Loans A+ at 9.25% APR, and University Federal Credit UnionUniversity Federal Credit Union1575 17th Ave S, Grand Forks, ND, 58201A+5.0 ★Texas Ratio: 2.38% offering Unsecured (signature) Loans at 9.95% APR. Personal loan rates as of May 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across North Dakota side-by-side. North Dakota personal loan rates currently start as low as 6.25% APR from Aspire Community Federal Credit Union at 1430 S BROADWAY, MINOT, ND, 58701 5933. 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 North Dakota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in North Dakota. 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: May 21, 2026
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North Dakota Personal Loan Rate Trends
Compare local North Dakota 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.
North Dakota personal loan rates currently average 12.616% APR.
North Dakota signature loan rates currently average 11.786% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our North Dakota 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 North Dakota 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 North Dakota. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in ND.
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 North Dakota?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in North Dakota?
Are credit unions or banks better for personal loans in North Dakota?
What are the best personal loan rates in North Dakota?
- Aspire Community Federal Credit Union: 6.25% (Recreational Loans)
- Service Federal Credit Union: 8.24% (Motorcyles Loan)
- Med Park Credit Union: 9.00% (Signature Loan)
- POSTAL FAMILY: 9.25% (Personal Loans A+)
- University Federal Credit Union: 9.95% (Unsecured (signature) Loans)
