The MFP’s Community Personal Loan Lender Survey gathers South 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 South Dakota’s Personal Loan Borrowers >>
South Dakota Best Personal Loan Lenders
Sioux Falls, Rapid City, Aberdeen, Watertown, Mitchell, Yankton, Online.
Sioux Falls Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Sioux Falls’s area are Sioux Valley Community Credit Union, Levo Credit Union and First National Bank in Sioux Falls.
- Sioux Valley 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 Sioux Falls-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Levo 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 National Bank in Sioux Falls 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 local decision-making, useful personal-loan guidance and dependable branch support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Sioux Valley Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Levo Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| First National Bank in Sioux Falls | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| Voyage Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Bluestone Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Service First Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| CorTrust Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Security National Bank of South Dakota | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Bank & Trust | Community Bank | 4.4 | 4.3 | 4.4 | 87% |
| American Bank & Trust | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Western Bank | Community Bank | 4.3 | 4.2 | 4.3 | 85% |
| Sunrise Banks | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Security Savings Bank | 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% |
Rapid City Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Rapid City’s area are Black Hills Federal Credit Union, Highmark Credit Union and Sentinel Federal Credit Union.
- Black Hills 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 Rapid City branch service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Highmark 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.
- Sentinel 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 % |
|---|---|---|---|---|---|
| Black Hills Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Highmark Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Sentinel Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Black Hills Community Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| BankWest | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Security First Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Dacotah Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Interstate Bank | 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% |
Aberdeen Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Aberdeen’s area are Aberdeen Federal Credit Union, Dakota Plains Credit Union and Dacotah Bank.
- Aberdeen 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 Aberdeen-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Dakota Plains 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.
- Dacotah Bank ranks third with a 92% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 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 % |
|---|---|---|---|---|---|
| Aberdeen Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Dakota Plains Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Dacotah Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| CorTrust Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| BankNorth | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Plains Commerce Bank | Community Bank | 4.4 | 4.3 | 4.4 | 87% |
| First Interstate Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Great Western Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Watertown Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Watertown’s area are Dakotaland Federal Credit Union, Reliabank and Plains Commerce Bank.
- Dakotaland 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 Watertown-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Reliabank 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 local staff, practical loan help and clear communication, which supports its strong application and support scores.
- Plains Commerce Bank ranks third with a 92% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight accessible local service, straightforward borrowing 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 % |
|---|---|---|---|---|---|
| Dakotaland Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Reliabank | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| Plains Commerce Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| Dacotah Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| First Bank & Trust | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Great Western Bank | 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% |
Mitchell Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Mitchell’s area are Dakotaland Federal Credit Union, CorTrust Bank and First Dakota National Bank.
- Dakotaland 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 Mitchell-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- CorTrust Bank 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 local staff, practical loan help and clear communication, which supports its strong application and support scores.
- First Dakota National Bank ranks third with a 92% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight accessible local service, straightforward borrowing 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 % |
|---|---|---|---|---|---|
| Dakotaland Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| CorTrust Bank | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| First Dakota National Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| First Interstate Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| BankWest | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| First National Bank in Sioux Falls | 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% |
Yankton Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Yankton’s area are Service First Federal Credit Union, First Dakota National Bank and CorTrust Bank.
- Service First 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 Yankton-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- First Dakota National Bank 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 local staff, practical borrowing help and clear communication, which supports its strong application and support scores.
- CorTrust Bank ranks third with a 92% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight accessible local service, straightforward 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 % |
|---|---|---|---|---|---|
| Service First Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| First Dakota National Bank | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| CorTrust Bank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| First National Bank of Omaha | Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Interstate Bank | Bank | 4.3 | 4.3 | 4.4 | 86% |
| BankWest | 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% |
South Dakota Best Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in South Dakota’s area are Black Hills Federal Credit Union, Levo Credit Union and Dakotaland Federal Credit Union.
- Black Hills Federal 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 online application access, clear personal loan terms, and helpful service during the borrowing process.
- Levo 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 online loan access, straightforward personal loan options, and useful support when applying.
- Dakotaland Federal 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 flexible personal loans, convenient digital access, and clear help during the loan process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Black Hills Federal Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| Levo Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 95% |
| Dakotaland Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 93% |
| Service First Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 92% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 91% |
| Aspen Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 90% |
| Sioux Falls Federal 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% |