Best Personal Loan Rates in South Dakota (SD) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to South Dakota borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in South Dakota include: Dakotaland Federal Credit UnionDakotaland Federal Credit Union1371 Dakota Ave S, Huron, SD, 57350A+5.0 ★Texas Ratio: 3.55% offering Construction Loan at 3.99% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union815 Columbus St, Rapid City, SD, 57701A+5.0 ★Texas Ratio: 1.60% offering Clergy Debt Relief Program at 5.99% APR, East River Federal Credit UnionEast River Federal Credit Union220 S Harth Ave, Madison, SD, 57042 2916A+5.0 ★Texas Ratio: 3.86% offering Recreational Loan at 6.80% APR, Sentinel Federal Credit UnionSentinel Federal Credit Union2723 LeMay Blvd, Ellsworth AFB, SD, 57706A+5.0 ★Texas Ratio: 4.56% offering Land/Lot Loans at 7.25% APR, and Service First Federal Credit UnionService First Federal Credit Union3901 E 10th St, Sioux Falls, SD, 57103 2133A+5.0 ★Texas Ratio: 0.00% offering Personal Loans at 9.30% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across South Dakota side-by-side. South Dakota personal loan rates currently start as low as 3.99% APR from Dakotaland Federal Credit Union at 1371 Dakota Ave S, Huron, SD, 57350. 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 South Dakota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in South 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: April 6, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1371 Dakota Ave S, Huron, SD, 57350
Construction Loan
3.99%
▼
APR3.99%
Last UpdatedApril 10, 2026
Details
Rates as low as mortgage loans only
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1371 Dakota Ave S, Huron, SD, 57350
Rec LOAN
5.27%
▼
APR5.27%
Last UpdatedApril 10, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Clergy Debt Relief Program
5.99%
▼
APR5.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Disaster Relief Loan
5.99%
▼
APR5.99%
Last UpdatedApril 10, 2026
Details
$5,000 for Individuals / $10,000 for Churches
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Recreational Loan
6.80%
▼
APR6.80%
Last UpdatedApril 10, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Church Loans
7.25%
▼
APR7.25%
Last UpdatedApril 10, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedApril 10, 2026
Details
over $250,000; As Low As; 5 year adjustable - starting at
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Land/Lot Loans
7.25%
▼
APR7.25%
Last UpdatedApril 10, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedApril 10, 2026
Details
up to $250,000; As Low As; 10 year fixed
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Pastoral Loan Program
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Tax Season Loan
7.99%
▼
APR7.99%
Last UpdatedApril 10, 2026
Details
Payable directly to the IRS
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
As Low As; Including Debt Consolidation
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 10, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedApril 10, 2026
Details
750+
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
9.40%
▼
APR9.40%
Last UpdatedApril 10, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal Loan
9.40%
▼
APR9.40%
Last UpdatedApril 10, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.80%
▼
APR9.80%
Last UpdatedApril 10, 2026
Details
750+
Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354
A Loan for Your Personal Use
9.90%
▼
APR9.90%
Last UpdatedApril 10, 2026
Details
As Low As
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
Credit score 701+
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Unsecured Loans
9.99%
▼
APR9.99%
Last UpdatedApril 10, 2026
Details
As Low As; Up to $50,000
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Loan
10.15%
▼
APR10.15%
Last UpdatedApril 10, 2026
Details
No additional details available.
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
Personal
10.25%
▼
APR10.25%
Last UpdatedApril 10, 2026
Details
As Low As
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 10, 2026
Details
As Low As; Any Purpose-Vacations, Projects, Repairs
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Vacation
10.25%
▼
APR10.25%
Last UpdatedApril 10, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.30%
▼
APR10.30%
Last UpdatedApril 10, 2026
Details
750+
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
10.40%
▼
APR10.40%
Last UpdatedApril 10, 2026
Details
As Low As
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loan 60 months
10.50%
▼
APR10.50%
Last UpdatedApril 10, 2026
Details
As Low As
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 10, 2026
Details
As Low As
HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
375 3rd St SW, Huron, SD, 57350 1945
Signature
10.75%
▼
APR10.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.80%
▼
APR10.80%
Last UpdatedApril 10, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.05%
▼
APR11.05%
Last UpdatedApril 10, 2026
Details
749-680
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
11.40%
▼
APR11.40%
Last UpdatedApril 10, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.55%
▼
APR11.55%
Last UpdatedApril 10, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.80%
▼
APR11.80%
Last UpdatedApril 10, 2026
Details
679-650
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
12.00%
▼
APR12.00%
Last UpdatedApril 10, 2026
Details
Credit Tier: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.05%
▼
APR12.05%
Last UpdatedApril 10, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.30%
▼
APR12.30%
Last UpdatedApril 10, 2026
Details
679-650
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
12.40%
▼
APR12.40%
Last UpdatedApril 10, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
12.50%
▼
APR12.50%
Last UpdatedApril 10, 2026
Details
Credit Tier: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.55%
▼
APR12.55%
Last UpdatedApril 10, 2026
Details
679-650
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
13.00%
▼
APR13.00%
Last UpdatedApril 10, 2026
Details
Credit Tier: 750+
Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Personal Loans
13.19%
▼
APR13.19%
Last UpdatedApril 10, 2026
Details
No additional details available.
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loan 18 months
13.50%
▼
APR13.50%
Last UpdatedApril 10, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
13.50%
▼
APR13.50%
Last UpdatedApril 10, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
14.00%
▼
APR14.00%
Last UpdatedApril 10, 2026
Details
Credit Tier: 750+
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
327 Dakota Dunes Blvd, Dakota Dunes, SD, 57049
Personal
14.00%
▼
APR14.00%
Last UpdatedApril 10, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
14.50%
▼
APR14.50%
Last UpdatedApril 10, 2026
Details
Credit Tier: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.55%
▼
APR14.55%
Last UpdatedApril 10, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.80%
▼
APR14.80%
Last UpdatedApril 10, 2026
Details
649-600
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
14.99%
▼
APR14.99%
Last UpdatedApril 10, 2026
Details
Credit score 650-700
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
15.00%
▼
APR15.00%
Last UpdatedApril 10, 2026
Details
Credit Tier: 675-699
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.05%
▼
APR15.05%
Last UpdatedApril 10, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.30%
▼
APR15.30%
Last UpdatedApril 10, 2026
Details
649-600
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
15.50%
▼
APR15.50%
Last UpdatedApril 10, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
16.00%
▼
APR16.00%
Last UpdatedApril 10, 2026
Details
Credit Tier: 700-749
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1371 Dakota Ave S, Huron, SD, 57350
Rec LOAN
16.08%
▼
APR16.08%
Last UpdatedApril 10, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
16.50%
▼
APR16.50%
Last UpdatedApril 10, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
17.00%
▼
APR17.00%
Last UpdatedApril 10, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
17.50%
▼
APR17.50%
Last UpdatedApril 10, 2026
Details
Credit Tier: 650-674
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
17.50%
▼
APR17.50%
Last UpdatedApril 10, 2026
Details
Credit score <650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.55%
▼
APR17.55%
Last UpdatedApril 10, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.80%
▼
APR17.80%
Last UpdatedApril 10, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedApril 10, 2026
Details
599 and Below
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 10, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal Loan
9.40%
▼
APR9.40%
Last UpdatedApril 10, 2026
Details
As Low As
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Loan
10.15%
▼
APR10.15%
Last UpdatedApril 10, 2026
Details
No additional details available.
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 10, 2026
Details
As Low As; Any Purpose-Vacations, Projects, Repairs
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loan 60 months
10.50%
▼
APR10.50%
Last UpdatedApril 10, 2026
Details
As Low As
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 10, 2026
Details
As Low As
Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Personal Loans
13.19%
▼
APR13.19%
Last UpdatedApril 10, 2026
Details
No additional details available.
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loan 18 months
13.50%
▼
APR13.50%
Last UpdatedApril 10, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Clergy Debt Relief Program
5.99%
▼
APR5.99%
Last UpdatedApril 10, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 10, 2026
Details
As Low As; Including Debt Consolidation
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedApril 10, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.80%
▼
APR9.80%
Last UpdatedApril 10, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.30%
▼
APR10.30%
Last UpdatedApril 10, 2026
Details
750+
HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
375 3rd St SW, Huron, SD, 57350 1945
Signature
10.75%
▼
APR10.75%
Last UpdatedApril 10, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.80%
▼
APR10.80%
Last UpdatedApril 10, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.05%
▼
APR11.05%
Last UpdatedApril 10, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.55%
▼
APR11.55%
Last UpdatedApril 10, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.80%
▼
APR11.80%
Last UpdatedApril 10, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.05%
▼
APR12.05%
Last UpdatedApril 10, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.30%
▼
APR12.30%
Last UpdatedApril 10, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.55%
▼
APR12.55%
Last UpdatedApril 10, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.55%
▼
APR14.55%
Last UpdatedApril 10, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.80%
▼
APR14.80%
Last UpdatedApril 10, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.05%
▼
APR15.05%
Last UpdatedApril 10, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.30%
▼
APR15.30%
Last UpdatedApril 10, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.55%
▼
APR17.55%
Last UpdatedApril 10, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.80%
▼
APR17.80%
Last UpdatedApril 10, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedApril 10, 2026
Details
599 and Below
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MonitorBankRates
No home improvement personal loan rates found in South Dakota currently.
South Dakota Personal Loan Rate Trends
Compare local South 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.
Personal Loan — SD Avg
13.166%
▲ 2.301 vs 7 days ago
South Dakota personal loan rates rose 2.301 points over the past 7 days to 13.166% APR.
Signature Loan — SD Avg
11.067%
▼ 0.099 vs 7 days ago
South Dakota signature loan rates fell 0.099 points over the past 7 days to 11.067% APR.
As of Apr 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in South Dakota?
Most lenders in South Dakota require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in South Dakota often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in South Dakota require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in South Dakota?
Yes. Debt consolidation is one of the most common uses of personal loans in South Dakota. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in South Dakota?
Credit unions in South Dakota often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in South Dakota?
- Dakotaland Federal Credit Union: 3.99% (Construction Loan)
- Interfaith Federal Credit Union: 5.99% (Clergy Debt Relief Program)
- East River Federal Credit Union: 6.80% (Recreational Loan)
- Sentinel Federal Credit Union: 7.25% (Land/Lot Loans)
- Service First Federal Credit Union: 9.30% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026.
