The MFP’s Community Personal Loan Lender Survey gathers Minnesota borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Minnesota’s Personal Loan Borrowers >>
Minnesota Best Personal Loan Lenders
Minneapolis, Saint Paul, Rochester, Bloomington, Duluth, Brooklyn Park, Woodbury, Maple Grove, St Cloud, Online.
Minneapolis Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Minneapolis’s area are Wings Credit Union, Affinity Plus Federal Credit Union and TruStone Financial Credit Union.
- Wings Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Minneapolis-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Affinity Plus Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- TruStone Financial Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Wings Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Affinity Plus Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| TruStone Financial Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Royal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Hiway Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| SPIRE Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| City & County Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| TopLine Financial Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 89% |
| Bremer Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Old National Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Huntington Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 80% |
Saint Paul Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Saint Paul’s area are Affinity Plus Federal Credit Union, Hiway Credit Union and City & County Credit Union.
- Affinity Plus Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Saint Paul-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Hiway Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- City & County Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Affinity Plus Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Hiway Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| City & County Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Wings Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| TruStone Financial Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| SPIRE Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| TopLine Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Royal Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 89% |
| Bremer Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Old National Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Huntington Bank | Bank | 4.2 | 4.1 | 4.2 | 83% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Bank of America | Bank | 4.0 | 4.0 | 4.0 | 80% |
Rochester Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Rochester’s area are First Alliance Credit Union, Affinity Plus Federal Credit Union and Mayo Employees Federal Credit Union.
- First Alliance Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Rochester-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Affinity Plus Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Mayo Employees Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Alliance Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Affinity Plus Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Mayo Employees Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Altra Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Think Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| Bremer Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Old National Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Bloomington Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Bloomington’s area are Wings Credit Union, TruStone Financial Credit Union and Affinity Plus Federal Credit Union.
- Wings Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Bloomington-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- TruStone Financial Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Affinity Plus Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Wings Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| TruStone Financial Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Affinity Plus Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Royal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| SPIRE Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| TopLine Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Bremer Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Duluth Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Duluth’s area are Members Cooperative Credit Union, Affinity Plus Federal Credit Union and North Shore Federal Credit Union.
- Members Cooperative Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Duluth-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Affinity Plus Federal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- North Shore Federal Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Members Cooperative Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Affinity Plus Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| North Shore Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Centricity Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Royal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Park State Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| North Shore Bank of Commerce | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Brooklyn Park Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Brooklyn Park’s area are TopLine Financial Credit Union, TruStone Financial Credit Union and Wings Credit Union.
- TopLine Financial Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Brooklyn Park-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- TruStone Financial Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Wings Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| TopLine Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| TruStone Financial Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Wings Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| SPIRE Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Huntington Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Woodbury Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Woodbury’s area are City & County Credit Union, Royal Credit Union and SPIRE Credit Union.
- City & County Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Woodbury-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Royal Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- SPIRE Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| City & County Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Royal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| SPIRE Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Affinity Plus Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Bremer Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Maple Grove Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Maple Grove’s area are TruStone Financial Credit Union, TopLine Financial Credit Union and Wings Credit Union.
- TruStone Financial Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful Maple Grove-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- TopLine Financial Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Wings Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| TruStone Financial Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| TopLine Financial Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Wings Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| SPIRE Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Bremer Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Chase Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
St Cloud Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in St. Cloud’s area are Affinity Plus Federal Credit Union, SPIRE Credit Union and Magnifi Financial.
- Affinity Plus Federal Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Customer feedback most often points to helpful St. Cloud-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- SPIRE Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Borrower feedback frequently mentions responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Magnifi Financial ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Customer comments commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Affinity Plus Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| SPIRE Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Magnifi Financial | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Wings Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Bremer Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Wells Fargo | Bank | 4.1 | 4.1 | 4.2 | 82% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.1 | 80% |
Minnesota Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Minnesota’s area are Wings Credit Union, Affinity Plus Federal Credit Union and Blaze Credit Union.
- Wings Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Borrower feedback supports its top position because customers point to strong personal loan terms, clear online application access, and helpful service during the borrowing process.
- Affinity Plus Federal Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, tying the highest Support & Guidance score among the top 3.
- Borrower feedback supports its strong ranking because customers highlight competitive borrowing options, convenient digital access, and useful help when applying.
- Blaze Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top-3 placement because customers point to quick online loan access, no unnecessary loan fees, and straightforward personal loan choices.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Wings Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Affinity Plus Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Blaze Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 93% |
| TruStone Financial Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| SPIRE Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 91% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 90% |
| Hiway Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 89% |
| TopLine Financial Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 88% |
| Royal Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 87% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 86% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 85% |
| LendingClub | Bank | 4.5 | 4.5 | 4.5 | 84% |
| Upgrade | Online | 4.5 | 4.3 | 4.4 | 83% |
| Discover Personal Loans | Bank | 4.5 | 4.5 | 4.4 | 82% |