Best Personal Loan Rates in South Dakota (SD) - May 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: 3.50% offering Construction Loan at 3.99% APR, Dakota Star Federal Credit UnionDakota Star Federal Credit Union3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354A5.0 ★Texas Ratio: 7.29% offering Pickups Loan at 4.70% APR, HIGHMARKHIGHMARK725 5th St, Rapid City, SD, 57701A5.0 ★Texas Ratio: 11.08% offering Construction Loan at 4.99% APR, East River Federal Credit UnionEast River Federal Credit Union220 S Harth Ave, Madison, SD, 57042 2916A+5.0 ★Texas Ratio: 3.81% offering Recreational Loans at 6.05% APR, and Northern Hills Federal Credit UnionNorthern Hills Federal Credit Union1080 MAIN ST, STURGIS, SD, 57785A+5.0 ★Texas Ratio: 3.41% offering Recreational Loan at 6.35% APR. Personal loan rates as of May 22, 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: May 22, 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: 3.50%
1371 Dakota Ave S, Huron, SD, 57350
Construction Loan
3.99%
▼
APR3.99%
Last UpdatedMay 22, 2026
Details
As Low As; mortgage loans only
Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354
Pickups Loan
4.70%
▼
APR4.70%
Last UpdatedMay 22, 2026
Details
As Low As
Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354
Vans Loan
4.70%
▼
APR4.70%
Last UpdatedMay 22, 2026
Details
As Low As
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.08%
725 5th St, Rapid City, SD, 57701
Construction Loan
4.99%
▼
APR4.99%
Last UpdatedMay 22, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
220 S Harth Ave, Madison, SD, 57042 2916
Recreational Loans
6.05%
▼
APR6.05%
Last UpdatedMay 22, 2026
Details
As Low As
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1080 MAIN ST, STURGIS, SD, 57785
Recreational Loan
6.35%
▼
APR6.35%
Last UpdatedMay 22, 2026
Details
As Low As
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans 20 YR (725 - UP)
7.00%
▼
APR7.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
815 Columbus St, Rapid City, SD, 57701
Church Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
815 Columbus St, Rapid City, SD, 57701
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
over $250,000; As Low As; 30 year term, due in 15 years; No prepayment penalties; Personal guarantees may be waived
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans 20 YR (675-724)
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) 6-48 months Loan
7.29%
▼
APR7.29%
Last UpdatedMay 22, 2026
Details
Credit Score 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) 60 months Loan
7.38%
▼
APR7.38%
Last UpdatedMay 22, 2026
Details
Credit Score 750+
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
815 Columbus St, Rapid City, SD, 57701
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
up to $250,000; As Low As; No prepayment penalties; Personal guarantees may be waived
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) 6-48 months Loan
7.51%
▼
APR7.51%
Last UpdatedMay 22, 2026
Details
Credit Score 749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) 60 months Loan
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
Credit Score 749-680
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans H.E. 0-60 (725 - UP)
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans 20 YR (650-674)
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) 6-48 months Loan
8.83%
▼
APR8.83%
Last UpdatedMay 22, 2026
Details
Credit Score 679-650
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans H.E. 0-60 (675-724)
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans H.E. 61-120 (725 - UP)
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) 60 months Loan
9.03%
▼
APR9.03%
Last UpdatedMay 22, 2026
Details
Credit Score 679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
9.30%
▼
APR9.30%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedMay 22, 2026
Details
As Low As; All Personal Loan Rates »
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedMay 22, 2026
Details
750+
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
220 S Harth Ave, Madison, SD, 57042 2916
Personal Loans
9.40%
▼
APR9.40%
Last UpdatedMay 22, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.80%
▼
APR9.80%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
9.80%
▼
APR9.80%
Last UpdatedMay 22, 2026
Details
750+
Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMay 22, 2026
Details
As Low As
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
Credit score 701+
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Unsecured Loans
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; Up to $50,000
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Machinery: Backhoe, Bobcat, Tractor, etc. Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Loan
10.15%
▼
APR10.15%
Last UpdatedMay 22, 2026
Details
No additional details available.
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Vacation Loan
10.25%
▼
APR10.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1080 MAIN ST, STURGIS, SD, 57785
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMay 22, 2026
Details
As Low As; Any Purpose-Vacations, Projects, Repairs
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.30%
▼
APR10.30%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
10.30%
▼
APR10.30%
Last UpdatedMay 22, 2026
Details
750+
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans 20 YR (600 - DOWN)
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
No additional details available.
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.80%
▼
APR10.80%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
10.80%
▼
APR10.80%
Last UpdatedMay 22, 2026
Details
750+
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans H.E. 0-60 (650-674)
10.85%
▼
APR10.85%
Last UpdatedMay 22, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.05%
▼
APR11.05%
Last UpdatedMay 22, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
11.05%
▼
APR11.05%
Last UpdatedMay 22, 2026
Details
749-680
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans H.E. 61-120 (675-724)
11.25%
▼
APR11.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
11.55%
▼
APR11.55%
Last UpdatedMay 22, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.55%
▼
APR11.55%
Last UpdatedMay 22, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.80%
▼
APR11.80%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
11.80%
▼
APR11.80%
Last UpdatedMay 22, 2026
Details
679-650
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.83%
3400 S Sycamore Ave, Sioux Falls, SD, 57110 4412
Personal/Lifestyle Loan
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
As Low As; Debt Consolidation
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
Credit Tier: 750+
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans H.E. 0-60 (600 - DOWN)
12.00%
▼
APR12.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.05%
▼
APR12.05%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
12.05%
▼
APR12.05%
Last UpdatedMay 22, 2026
Details
679-650
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans H.E. 61-120 (650-674)
12.20%
▼
APR12.20%
Last UpdatedMay 22, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) 6-48 months Loan
12.24%
▼
APR12.24%
Last UpdatedMay 22, 2026
Details
Credit Score 649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
12.30%
▼
APR12.30%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.30%
▼
APR12.30%
Last UpdatedMay 22, 2026
Details
679-650
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
12.50%
▼
APR12.50%
Last UpdatedMay 22, 2026
Details
Credit Tier: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.55%
▼
APR12.55%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
12.55%
▼
APR12.55%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) 60 months Loan
12.99%
▼
APR12.99%
Last UpdatedMay 22, 2026
Details
Credit Score 649-600
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
Credit Tier: 750+
Coteau Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
212 W Hickory St, Sisseton, SD, 57262 1826
Unsecured Loans H.E. 61-120 (600 - DOWN)
13.00%
▼
APR13.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
13.50%
▼
APR13.50%
Last UpdatedMay 22, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
Credit Tier: 750+
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
327 Dakota Dunes Blvd, Dakota Dunes, SD, 57049
Personal
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
14.50%
▼
APR14.50%
Last UpdatedMay 22, 2026
Details
Credit Tier: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
14.55%
▼
APR14.55%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.55%
▼
APR14.55%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.80%
▼
APR14.80%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
14.80%
▼
APR14.80%
Last UpdatedMay 22, 2026
Details
649-600
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
14.99%
▼
APR14.99%
Last UpdatedMay 22, 2026
Details
Credit score 650-700
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
15.00%
▼
APR15.00%
Last UpdatedMay 22, 2026
Details
Credit Tier: 675-699
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.05%
▼
APR15.05%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
15.05%
▼
APR15.05%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.30%
▼
APR15.30%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
15.30%
▼
APR15.30%
Last UpdatedMay 22, 2026
Details
649-600
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
15.50%
▼
APR15.50%
Last UpdatedMay 22, 2026
Details
Credit Tier: 700-749
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) 6-48 months Loan
15.74%
▼
APR15.74%
Last UpdatedMay 22, 2026
Details
Credit Score 599 and Below
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
16.00%
▼
APR16.00%
Last UpdatedMay 22, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
16.50%
▼
APR16.50%
Last UpdatedMay 22, 2026
Details
Credit Tier: 675-699
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Recreational (2024 & Older) 60 months Loan
16.99%
▼
APR16.99%
Last UpdatedMay 22, 2026
Details
Credit Score 599 and Below
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
17.00%
▼
APR17.00%
Last UpdatedMay 22, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
17.50%
▼
APR17.50%
Last UpdatedMay 22, 2026
Details
Credit Tier: 650-674
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
17.50%
▼
APR17.50%
Last UpdatedMay 22, 2026
Details
Credit score <650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.55%
▼
APR17.55%
Last UpdatedMay 22, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
17.55%
▼
APR17.55%
Last UpdatedMay 22, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.80%
▼
APR17.80%
Last UpdatedMay 22, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
17.80%
▼
APR17.80%
Last UpdatedMay 22, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedMay 22, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedMay 22, 2026
Details
599 and Below
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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: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedMay 22, 2026
Details
As Low As; All Personal Loan Rates »
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
220 S Harth Ave, Madison, SD, 57042 2916
Personal Loans
9.40%
▼
APR9.40%
Last UpdatedMay 22, 2026
Details
As Low As
Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMay 22, 2026
Details
As Low As
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Loan
10.15%
▼
APR10.15%
Last UpdatedMay 22, 2026
Details
No additional details available.
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1080 MAIN ST, STURGIS, SD, 57785
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMay 22, 2026
Details
As Low As; Any Purpose-Vacations, Projects, Repairs
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in South Dakota currently.
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: 1.57%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMay 22, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
9.30%
▼
APR9.30%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.80%
▼
APR9.80%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
9.80%
▼
APR9.80%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.30%
▼
APR10.30%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
10.30%
▼
APR10.30%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
10.80%
▼
APR10.80%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.80%
▼
APR10.80%
Last UpdatedMay 22, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.05%
▼
APR11.05%
Last UpdatedMay 22, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
11.05%
▼
APR11.05%
Last UpdatedMay 22, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.55%
▼
APR11.55%
Last UpdatedMay 22, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
11.55%
▼
APR11.55%
Last UpdatedMay 22, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.80%
▼
APR11.80%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
11.80%
▼
APR11.80%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.05%
▼
APR12.05%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
12.05%
▼
APR12.05%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.30%
▼
APR12.30%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
12.30%
▼
APR12.30%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.55%
▼
APR12.55%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
12.55%
▼
APR12.55%
Last UpdatedMay 22, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.55%
▼
APR14.55%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
14.55%
▼
APR14.55%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.80%
▼
APR14.80%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
14.80%
▼
APR14.80%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
15.05%
▼
APR15.05%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.05%
▼
APR15.05%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.30%
▼
APR15.30%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
15.30%
▼
APR15.30%
Last UpdatedMay 22, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.55%
▼
APR17.55%
Last UpdatedMay 22, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
17.55%
▼
APR17.55%
Last UpdatedMay 22, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.80%
▼
APR17.80%
Last UpdatedMay 22, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
17.80%
▼
APR17.80%
Last UpdatedMay 22, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedMay 22, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loans
18.00%
▼
APR18.00%
Last UpdatedMay 22, 2026
Details
599 and Below
Powered by
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
12.523%
Unchanged vs 7 days ago
South Dakota personal loan rates currently average 12.523% APR.
Signature Loan — SD Avg
11.019%
▼ 0.034 vs 7 days ago
South Dakota signature loan rates fell 0.034 points over the past 7 days to 11.019% APR.
As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South 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 South 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 South Dakota. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in SD.
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 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)
- Dakota Star Federal Credit Union: 4.70% (Pickups Loan)
- HIGHMARK: 4.99% (Construction Loan)
- East River Federal Credit Union: 6.05% (Recreational Loans)
- Northern Hills Federal Credit Union: 6.35% (Recreational Loan)
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: May 22, 2026.
