Best Personal Loan Rates in Rapid City, South Dakota - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Rapid City, South Dakota include: Interfaith Federal Credit UnionInterfaith Federal Credit Union815 Columbus St, Rapid City, SD, 57701A+5.0 ★Texas Ratio: 1.57% offering Church Loans at 7.25% 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 Personal Loans at 9.90% APR, Dacotah Federal Credit UnionDacotah Federal Credit Union2990 E HIGHWAY 44, Rapid City, SD, 57703A+5.0 ★Texas Ratio: 0.62% offering Machinery: Backhoe, Bobcat, Tractor, etc. Loan at 10.00% APR, Sentinel Federal Credit UnionSentinel Federal Credit Union4011 Triple Crown Dr, Rapid City, SD, 57701 2098A+5.0 ★Texas Ratio: 4.43% offering Personal Loans at 10.50% APR, and Service First Federal Credit UnionService First Federal Credit UnionA+5.0 ★Texas Ratio: 2.31% offering New Recreational (2025 & Newer) - 6-48 months Loan at 5.59% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Rapid City has 4 local institutions in our database, with personal loan rates as low as 7.25% APR from Interfaith Federal Credit Union at 815 Columbus St, Rapid City, SD, 57701. 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 Rapid City, South Dakota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Rapid City, 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: July 6, 2026
Rapid City Personal Loan Rates
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Loans up to $250,000. No prepayment penalties. Personal guarantees may be waived.
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Credit Score: 725 - UP
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Credit Score: 675-724
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Credit Score: 725 - UP
Credit Score: 650-674
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Credit Score: 675-724
Credit Score: 725 - UP
All Personal Loan Rates »
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Up to $50,000; As Low As
Credit score 701+
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Credit Score: 600 - DOWN
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Credit Score: 650-674
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Credit Score: 675-724
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Credit Score: 600 - DOWN
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Credit Score: 650-674
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Credit Score: 600 - DOWN
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Credit score 650-700
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Rapid City Personal Loan Rates
As Low as; APR*
Fixed
As Low As; Rates are current as of November 1, 2024 unless otherwise noted and are subject to change.
All Personal Loan Rates »
Credit score 701+
Any Purpose-Vacations, Projects, Repairs
Credit score 650-700
Credit score <650
Rapid City Debt Consolidation Loan Rates
Rapid City Signature Loan Rates
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Rapid City, SD Personal Loan Rate Trends
Compare local Rapid City, SD 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.
South Dakota personal loan rates currently average 11.423% APR.
South Dakota signature loan rates currently average 11.002% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Rapid City, 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 Rapid City, 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 Rapid City, 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?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in South Dakota?
Are credit unions or banks better for personal loans in Rapid City, South Dakota?
What are the best personal loan rates in Rapid City, South Dakota?
- Interfaith Federal Credit Union: 7.25% (Church Loans)
- Dakota Star Federal Credit Union: 9.90% (Personal Loans)
- Dacotah Federal Credit Union: 10.00% (Machinery: Backhoe, Bobcat, Tractor, etc. Loan)
- Sentinel Federal Credit Union: 10.50% (Personal Loans)
- Service First Federal Credit Union: 5.59% (New Recreational (2025 & Newer) - 6-48 months Loan)
Rapid City, South Dakota Rates & Resources
Personal Loan Calculators
