Advertising Disclosure Acorn Finance receives compensation from some of the companies featured on our website, which may influence the presentation and order of the offers shown. Please note that not all loan options, savings products, or lenders are represented on our site.

Personal Loans in Minnesota

Get personalized rates in 60 seconds for loans in Minnesota, without affecting your credit score.

How much would you like to finance?

Compare Online Loans in Minnesota

Our financial partners can offer personal loans in Minnesota up to $100,000 depending on credit score. To find out what you qualify for, check offers online now. If you request more than a lender can offer, they should counter the offer with what they can loan. 

How long does it take for a personal loan to be approved in Minnesota?

At Acorn Finance, you can receive instant prequalification. Once you’ve accepted an offer, you can undergo the underwriting process (when the lender confirms information) to arrive at the approval stage of the loan. Our financial partners can fund loans in as little as 1-2 business days, although funding times can vary.

Get Started

Compare rates from top lenders

About LightStream

Coming Soon…


Coming Soon…


Coming Soon…

About Sofi

Coming Soon…


Coming Soon…


Coming Soon…

About Upgrade

Coming Soon…


Coming Soon…


Coming Soon…

About Bestegg

Coming Soon…


Coming Soon…


Coming Soon…

Helping Minnesota Residents Find Personal Loans

Before you even start shopping for the best personal loan in Minnesota, you’ll have to put some thought into what that loan structure might look like for you. Everybody’s situation is different and the best loan for you may not work for someone else. Take some time to consider what factors you prioritize in a personal loan. 

  • Loan amount: For some people, the best loan for them is the one that offers the highest loan amount. On the other hand, a loan amount that is much larger than what you need will cost you unnecessary interest. 
  • Monthly payments: It may take some number crunching, but it will serve you well to sit down and figure out exactly how much of a financial obligation you can commit to on a monthly basis. 

As you shop loan offers, be realistic. It can help to check your credit score before applying so you can gain perspective of potential concerns a lender may have. Alternatively this can give you the opportunity to boost your score. 

What is required to qualify for a personal loan in Minnesota?

In order to qualify for a personal loan in Minnesota, most lenders will look at similar factors to determine your eligibility. 

  • Credit score and history
  • Income
  • Debt to income ratio
  • Stability 

Even if you don’t have a perfect past, you can still qualify for a loan. Although it may be smart to boost your credit score before doing so. Learn more about how to get a loan for bad credit or what exactly a bad credit score is

Personal Loans in Minnesota: Frequently Asked Questions

Whether or not a personal loan in Minnesota is worth it is going to be a personal determination. Oftentimes, a financial obligation rolls in without any means to take care of it. In this situation, a personal loan in Minnesota can definitely be worthwhile. It’s up to you to determine your financial situation and consider what it is you need a loan for versus how much it will cost. Consider checking offers to gain a better understanding of what a personal loan entails for you. 

How do you apply for a personal loan in Minnesota?

First, you’ll need to get prequalified. If you’re unfamiliar with your credit score, you may want to check your score before applying. When you’re ready, visit Acorn Finance to get prequalified and find a lender to apply with. 

To get an online loan in Minnesota  online, follow these 5 simple steps:

#1. Go to Acorn Finance online

Start your search on our 100% safe platform. 

#2. Get prequalified

Fill out our simple form and click submit to check personalized offers with no credit impact. 

#3. Compare offers to choose the best one

Compare offers from top national lending partners side-by-side and choose the one that works best for you. 

#4. Complete the application with the lender 

Once you’ve selected an offer, work with the lender of your choice to finalize the application process. 

#5. Receive funding

Once approved, the lender can issue funds. Our lending partners can fund loans in as little as 1-2 business days, although funding times can vary.

Since you are obtaining a loan online, lender’s may request more documentation, especially for proof of identification. Being prepared with the following can help expedite the process. 

  • Personal Identification: Lenders may require multiple forms and usually this includes a State I.D., a driver’s license, birth certificate, passport, or social security card. 
  • Income verification: Depending on how you are employed, lenders may ask to see your most recent paystubs, bank statements, W2, or 1099. They also may require proof of how long you have been at your current job. 
  • Proof of residency: You can typically verify your residence most easily with a utility bill in your name. 

Minnesota Personal Loan Calculator


Find the loan you're looking for

Table comparing monthly payments, APRs for approved personal loans.
See your options
Take a few minute to answer few questions, and we'll match you with the right range of lenders to consider
Choose your loan
Find your favorite marketplace of offers and apply directly with the lender you prefer
Do your project
If you're approved, use your funds to cover all your costs now, and pay the lender back month by month

What can I do with a $15,000 personal loan?

A $15,000 personal loan has a number of uses, including (but not limited to):
Home improvement Buying a car Wedding costs
Debt consolidation Medical bills Startup business costs

Still have questions?

Compare & Shop Minnesota Personal Loans at Acorn Finance

In 2021 Minnesota boasted some of the highest average credit scores. Borrowing money is for those with good credit and bad credit though, so rest assured the lending market caters to a variety of borrowers. With that being said, personal loans for bad credit can be a bit rocky. When it comes to shopping offers, you’ll want to find the best offers as they pertain to your current situation. 

With the online marketplace in Minnesota, your options have expanded. Here’s what you should know about online personal loans in Minnesota.

What types of personal loans can you get approved for in Minnesota?


There are different types of personal loans. While most will operate about the same, they can be intended for different uses. Some examples include debt consolidation loans or home improvement loans. Both of these are essentially just personal loans, but marketed for a specific use. With that being said, you’ll need to meet the requirements set forth by the lender to qualify. Refer to general requirements for a personal loan to determine your chance of qualifying. When you’re ready, visit Acorn Finance to get prequalified. 

How do you find the best Minnesota personal loan rates?


To find the best Minnesota personal loan rates, you’ll want to first check in with your credit score. It is advisable to utilize a credit monitoring platform that will show you where your areas that need improvement may be. Taking the time to improve your credit score can significantly impact the interest rates you will be offered, which ultimately, leads to lower monthly payments. When ready, compare offers you actually qualify for to determine what a fair rate is. 

Check rates in seconds at Acorn Finance. 

What credit score do you need for a personal loan in Minnesota?


There is no universal minimum when it comes to credit score requirements. With that being said, offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above. Keyword here is “most,” as we do have some lending partners that may be willing to work with borrowers with a lesser score. If there’s room for improvement on your credit score, consider addressing how to improve it before applying for a loan.

Reverse the roles when finding the best personal loan in Minnesota and  let the best loan offer find you. Our platform takes the guesswork out of which lenders are legitimate and what offers are too good to be true. With a network of top national lenders, you can stress-less and focus more on choosing the best personal loan offers. 

Check personalized offers with no credit impact in seconds!


One home, endless possibilities


Personal Loan Information