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Home > Minnesota > Minneapolis

Personal Loans in Minneapolis, 55402

Minneapolis, a vibrant city in the heartland of Minnesota, offers its residents various opportunities and amenities. Still, just like anywhere else, unexpected expenses can arise, making personal loans a valuable resource for many. Personal loans in Minneapolis are unsecured loans, which means they aren't backed by any collateral. Instead, lenders assess the borrower's creditworthiness to determine eligibility.

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How do personal loans in Minneapolis work?

In Minneapolis, personal loans function like most traditional loans. Once approved, borrowers receive a lump sum amount, which they need to pay back, including interest, over a predetermined period. The repayment period typically ranges between 12 months to 7 years. Monthly payments are fixed, making it easier for borrowers to budget accordingly.

3 Easy Steps To Get Personal Loan in Minneapolis


Get Started

Complete the online inquiry form to immediately get in touch with trusted third-party lenders in our network.


Get an Offer

Based on your financial needs, the lender will make you an offer for a fast personal loan.


Get Your Cash

After you sign the loan agreement, you can usually have the money the next working day.

Our Benefits

A loan gives you the money you need upfront and lets you spread the cost of paying it back


Higher Borrowing Limit

No Collateral Required

Fixed Repayment Schedule

Fixed interest rates

Any Purpose Loans

agree on payment terms


Proof of identity

Proof of address

Proof of income

Social security number


Fill In The Online Inquiry Form

Get Connected By A Trusted Third-Party Lender

Review The Loan Offer

Sign The Contract

Get The Money

What are the requirements for a personal loan?

While the exact requirements may vary between lenders, the most common criteria include:

  1. Proof of identity (e.g., driver’s license or passport).
  2. Proof of income (e.g., recent payslips or bank statements).
  3. A good credit history.
  4. Being at least 18 years old.
  5. Proof of residency in Minneapolis or nearby areas.

How Much cash can I get with a personal loan?

The amount you can borrow largely depends on various factors, including your creditworthiness, monthly income, and the lender’s policies. In Minneapolis, personal loans can range from as little as $1,000 to as much as $50,000 or more.

What are the APRs?

Annual Percentage Rate (APR) represents the total cost of borrowing, encompassing both the interest rate and any associated fees. In Minneapolis, the APR for personal loans can vary widely based on the lender, your credit score, loan amount, and the loan term. Always ensure you understand the APR before starting the process.

Can I Apply If I have bad credit?

Yes, you can! While having a good credit score enhances your chances of securing a loan with favorable terms, there are lenders in our network that cater to individuals with less-than-stellar credit histories. Remember, however, that the interest rates might be higher in such cases.

How to apply for a personal loan in Minneapolis?

To begin the loan inquiry process, you don’t need to fill out an application form. Instead, you can fill out an inquiry form online. We’ll then connect you with trusted third-party lenders in our network who can offer personal loans suited to your needs.

What about online personal loans?

Online personal loans offer the convenience of applying from the comfort of your home. Once you start the process with us, we connect you with lenders in our network, allowing you to compare different loan offers and select the best fit without visiting multiple physical locations.

How to find personal loans near me?

When in Minneapolis and looking for “personal loans near me”, begin your process with us. Through our platform, you can get connected to various lenders in the Minneapolis region, ensuring you get a loan tailored to your specific needs.

What about other types of loans?

Besides personal loans, there are other lending options available in Minneapolis. These include:

  1. Secured Loans: Require collateral, such as a car or home.
  2. Payday Loans: Short-term loans typically meant to be paid back by your next paycheck.
  3. Installment Loans: Similar to personal loans but often come with shorter repayment terms.
  4. Auto Title Loans: Use your vehicle’s title as collateral.
  5. Home Equity Loans: Based on the equity you’ve built in your home.

Always consider the terms and conditions of these loans and compare them with personal loans to determine the best fit for your situation.

Frequently Asked Questions

Q1: How long does it take to get approved for a personal loan in Minneapolis?
A: Approval times can vary, but many lenders offer decisions within minutes, especially for online applications.

Q2: Can I prepay my personal loan without penalties?
A: Most lenders in our network allow for early repayments without penalties. However, always check the terms before finalizing.

Q3: Do I need a co-signer for my personal loan?
A: Not necessarily. While having a co-signer can improve your chances of approval or getting better rates, many lenders don’t require one.

Q4: What happens if I miss a payment?
A: Missing a payment can result in late fees and might negatively impact your credit score. If you anticipate payment issues, it’s best to contact the lender immediately.

Q5: Are there any hidden fees with personal loans?
A: We connect you with trusted lenders who are upfront about their fees. Always read the loan agreement carefully to understand all associated costs.

Q6: Can I get multiple personal loans at once?
A: While possible, it’s essential to consider your repayment capacity. Taking on too much debt can strain your finances.

Q7: What’s the difference between fixed and variable interest rates?
A: A fixed rate remains unchanged throughout the loan term, ensuring consistent monthly payments

Fast Process

When you need money urgently, fill in the online request form and you won't believe how fast you can get the loan approved.


221 South 6th St #205, Minneapolis, MN, 55402

Open hours

Mon – Fri:

9am – 7pm


10am – 4pm



Phone number

(612) 261-0903

Near Locations

St. Paul

162 Victoria St N #204, St. Paul, MN 55104


8121 Penn Ave S unit 11, Bloomington, MN 55431

St. Paul

401 Wabasha St N Ste #104, St. Paul, MN 55102
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