The MFP’s Community Personal Loan Lender Survey gathers North Dakota 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 North Dakota’s Personal Loan Borrowers >>
North Dakota Best Personal Loan Lenders
Fargo, Bismarck, Grand Forks, Minot, West Fargo, Williston, Dickinson, Mandan, Online.
Fargo Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Fargo’s area are Town & Country Credit Union, United Savings Credit Union and Fargo Public Schools Federal Credit Union.
- Town & Country 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.
- Reviews most often point to helpful Fargo branch service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- United Savings Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Fargo Public Schools 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.
- Reviews commonly highlight friendly 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 % |
|---|---|---|---|---|---|
| Town & Country Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| United Savings Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Fargo Public Schools Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Capital Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| First Community Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| North Star Community Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Magnifi Financial | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Gate City Bank | Community Bank | 4.5 | 4.4 | 4.5 | 89% |
| Bell Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Choice Bank | Community Bank | 4.4 | 4.3 | 4.4 | 87% |
| First International Bank & Trust | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Bank Forward | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| First Western Bank & Trust | Community Bank | 4.2 | 4.1 | 4.2 | 83% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Bismarck Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Bismarck’s area are Capital Credit Union, Dakota West Credit Union and First Community Credit Union.
- Capital 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.
- Reviews most often point to helpful Bismarck branch service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Dakota West Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- First Community 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.
- Reviews commonly highlight friendly 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 % |
|---|---|---|---|---|---|
| Capital Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Dakota West Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| First Community Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| North Star Community Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Gate City Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Starion Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Bravera Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Choice Bank | Community Bank | 4.3 | 4.2 | 4.3 | 85% |
| First International Bank & Trust | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Grand Forks Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Grand Forks’s area are University Federal Credit Union, First Community Credit Union and Town & Country Credit Union.
- University 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.
- Reviews most often point to helpful Grand Forks-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- First Community Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Town & Country 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.
- Reviews commonly highlight friendly 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 % |
|---|---|---|---|---|---|
| University Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| First Community Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Town & Country Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| North Star Community Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Gate City Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Choice Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Alerus | Bank | 4.3 | 4.3 | 4.4 | 86% |
| First International Bank & Trust | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Minot Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Minot’s area are Town & Country Credit Union, North Star Community Credit Union and First Community Credit Union.
- Town & Country 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.
- Reviews most often point to helpful Minot-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- North Star Community Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- First Community 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.
- Reviews commonly highlight friendly 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 % |
|---|---|---|---|---|---|
| Town & Country Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| North Star Community Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| First Community Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Capital Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Gate City Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bravera Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| First International Bank & Trust | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Western Bank & Trust | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
West Fargo Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in West Fargo’s area are Town & Country Credit Union, United Savings Credit Union and First Community Credit Union.
- Town & Country 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.
- Reviews most often point to helpful West Fargo-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- United Savings Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- First Community 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.
- Reviews commonly highlight friendly 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 % |
|---|---|---|---|---|---|
| Town & Country Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| United Savings Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| First Community Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Capital Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Gate City Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bell Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Choice Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Williston Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Williston’s area are First Community Credit Union, Town & Country Credit Union and Gate City Bank.
- First Community 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.
- Reviews most often point to helpful Williston-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Town & Country Credit Union ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention responsive staff, straightforward borrowing help and clear communication, which supports its strong application and support scores.
- Gate City Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight accessible local service, practical loan help and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Town & Country Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Gate City Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| First International Bank & Trust | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Bravera Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| Western Cooperative Credit Union | Credit Union | 4.2 | 4.2 | 4.3 | 84% |
| First State Bank & Trust | Community Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Dickinson Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Dickinson’s area are Western Cooperative Credit Union, First Community Credit Union and Dakota Community Bank & Trust.
- Western 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.
- Reviews most often point to helpful Dickinson-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- First Community Credit Union ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention responsive staff, straightforward borrowing help and clear communication, which supports its strong application and support scores.
- Dakota Community Bank & Trust ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight accessible local service, practical loan help and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Western Cooperative Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| First Community Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Dakota Community Bank & Trust | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Bravera Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| Gate City Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| American Bank Center | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| Choice Bank | Community Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Mandan Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Mandan’s area are Capital Credit Union, Railway Credit Union and Gate City Bank.
- Capital 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.
- Reviews most often point to helpful Mandan-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Railway Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Gate City Bank ranks third with a 91% Recommend score, a 4.5 Easy Application rating, 4.5 Loan Terms & Rate Satisfaction rating and 4.6 Support & Guidance rating.
- Reviews commonly highlight accessible local service, practical loan help and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Capital Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Railway Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Gate City Bank | Community Bank | 4.5 | 4.5 | 4.6 | 91% |
| Starion Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Bravera Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| First International Bank & Trust | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| BNC National Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| BMO Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
North Dakota Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in North Dakota’s area are First Community Credit Union, Capital Credit Union and Town & Country Credit Union.
- First Community Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to easy online loan access, clear personal loan options, and helpful service during the borrowing process.
- Capital Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its strong ranking because customers highlight straightforward application steps, competitive borrowing options, and useful help when applying.
- Town & Country 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 convenient online access, clear personal loan choices, and dependable support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| First Community Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| Capital Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 95% |
| Town & Country Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 93% |
| Dakota West Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 92% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 91% |
| Railway Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 90% |
| North Star Community Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 87% |