Best Loans in St. Paul, MN — Compare All Types (2026)
Looking for the best loan rates in St. Paul? Compare personal loans, auto loans, student loans, and mortgage refinance rates — with local lender data and MN state regulations.
Personal Loans in St. Paul
Unsecured personal loans for St. Paul residents — for debt consolidation, emergencies, home improvement, and more. No collateral required.
Auto Loans in St. Paul
New and used car loans for St. Paul drivers. Compare dealership financing vs. local credit unions before you sign anything.
Student Loans in St. Paul
Federal and private student loan options for students attending colleges and universities in St. Paul and MN.
Home Loan Refi in St. Paul
Refinance your St. Paul mortgage at today's rates. Compare 30-year, 15-year, and VA refinance options for MN homeowners.
| Credit Score | Credit Tier | Expected APR Range | Monthly Payment ($10k/36mo) |
|---|---|---|---|
| 720 – 850 | Excellent | 6.20% – 12% | ~$304 – $332 |
| 680 – 719 | Good | 12% – 18% | ~$332 – $362 |
| 640 – 679 | Fair | 18% – 24% | ~$362 – $394 |
| 580 – 639 | Poor | 24% – 30% | ~$394 – $428 |
| Below 580 | Bad Credit | 30% – 36% | ~$428 – $465 |
| Loan Type | Average Rate | Best Rate | Loan Term |
|---|---|---|---|
| New Car Loan | 6.37% | 4.66% | 48 – 72 months |
| Used Car Loan | 11.26% | 7.43% | 36 – 60 months |
| Refinance Auto Loan | 8.50% | 5.29% | 24 – 60 months |
| Private Party Auto | 12.00% | 7.66% | 36 – 60 months |
| Loan Type | Interest Rate | Who Qualifies | Annual Limit |
|---|---|---|---|
| Direct Subsidized (Federal) | 6.53% | Undergrad with need | $3,500 – $5,500 |
| Direct Unsubsidized (Federal) | 6.53% – 8.08% | All enrolled students | Up to $20,500 |
| PLUS Loan (Federal) | 9.08% | Grad students / Parents | Full cost of attendance |
| Private Student Loans | 3.99% – 15.99% | Credit-based approval | Up to full COA |
| Loan Type | Average Rate | Best Rate | Best For |
|---|---|---|---|
| 30-Year Fixed Refi | 6.73% | 6.65% | Lower monthly payments |
| 15-Year Fixed Refi | 6.09% | 5.95% | Pay off faster |
| VA 30-Year Refi | 5.48% | 5.21% | Veterans & military |
| 5/1 ARM Refi | 6.31% | 6.09% | Short-term owners |
- Loans up to $100,000
- Zero fees of any kind
- Same-day funding
- Terms up to 144 months
- Available in MN
- Loans up to $100,000
- No origination fees
- Unemployment protection
- Same-day funding
- Available in MN
- Min credit score: 300
- AI-based approval
- Fast 1-day funding
- No prepayment penalty
- Available in MN
- Local St. Paul lender
- Member-focused service
- Competitive rates
- In-person support
- Based in St. Paul
Check Your Credit Score
Pull your free credit report at annualcreditreport.com before applying. Your score determines your rate in St. Paul.
Compare Multiple Lenders
Get quotes from at least 3 lenders — including national lenders and local St. Paul credit unions.
Get Pre-Approved
Most lenders offer soft-pull prequalification that won't hurt your credit score.
Submit Application
Provide your ID, proof of income, and bank details. Most St. Paul lenders decide within 24 hours.
Receive Your Funds
Most online lenders fund St. Paul borrowers within 1–3 business days after approval.
| Regulation | Details for MN |
|---|---|
| Maximum Interest Rate | 9.30% APR maximum for personal loans |
| Loan Amount Limits | No state cap on personal loan amounts in MN |
| Licensing | All lenders must be licensed to operate in MN |
| Prepayment Penalty | Not allowed on personal loans in MN |
| Collection Rules | MN follows federal FDCPA collection guidelines |
Ready to Find Your Best Loan Rate in St. Paul?
Compare personal loans, auto loans, student loans, and mortgage refinance rates from top lenders serving St. Paul, MN — completely free.
Compare St. Paul Loan Rates →LoanWiseUSA is an independent loan comparison website serving St. Paul, MN and 500+ U.S. cities. We may receive compensation when you apply through our links — this never affects our recommendations. Rates shown are estimates based on current market data and are subject to change. Always verify current rates directly with lenders. Content is for informational purposes only and does not constitute financial advice. MN loan law information is general in nature — consult a licensed attorney for specific legal guidance.