Are you searching for installment loans in Minnesota? DirectLendersList is here to help you find the perfect loan that meets your financial requirements. Our platform lets you compare top direct lenders and loan marketplaces, ensuring you receive the most favorable deal. At DirectLendersList, you can conveniently compare multiple loan options and discover the perfect lender that caters to your specific requirements with a seamless borrowing experience, so you can quickly obtain the funds you need. For the best Minnesota installment loans, DirectLendersList is the perfect platform that enables you to compare lenders, lending platforms, and lender-connecting services.
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Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided "as-is," with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven't been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
FundsNationwide.com is a reliable loan marketplace for accessing installment loans in Minnesota. With a vast network of direct lenders and lending partners, they offer loan options tailored to your specific needs, ranging from $100 to $5,000. Experience the convenience of their user-friendly platform and secure the financial support you require for your unique needs and circumstances.
APR Range
Varies
Min. Credit Score
None
Repayment Terms
Varies
Funding Time
As fast as next business day*
⇒ Eligibility requires being at least 18 years old.
⇒ An active bank account is necessary for secure fund transfers.
⇒ Only U.S. citizens or permanent residents are eligible to apply.
⇒ Demonstrating a consistent and reliable source of income is essential, meeting the minimum monthly income requirement of $1000.
⇒ Provide accurate and up-to-date contact information, including a phone number and email address.
⇒ Be willing to provide income documentation to the lender as part of the application process to assess your ability to repay the loan.
• Company Name: – Fundsnationwide.com
• Loan Type: – Installment Loans
• State: – Minnesota
• Serviced As: – Lender Connecting Service
• Minimum Amount: – $100
• Maximum Amount: – $5,000
• Loan Term: – Varies*
• Funding Time: – Next business day*
• APR range: – The lender’s policies and state regulations determine the Annual Percentage Rates (APRs), which may vary.
• Fees: – The lender would disclose any associated fees.
The loan term, fees, and interest rates are determined solely by your lender or lending partner.
Explore Credit is a reputable provider of short-term installment loans in Minnesota, providing a seamless online application process with loan amounts from $300 to $2,000. As a direct tribal lender, they adhere to tribal laws and regulations and operate within the legal framework of Native American tribe reservations, ensuring a secure and efficient lending process for borrowers in need.
APR Range
Undisclosed
Min. Credit Score
None
Repayment Terms
Up to 9 Months
Funding Time
Next working day*
⇒ To be eligible, you must be at least 18 years of age.
⇒ To apply, you must be either a citizen of the United States or a permanent resident.
⇒ Having an active checking account is required for ACH transfers.
⇒ Proof of income to evaluate the ability to repay.
⇒ Provide correct contact details, including your email address and phone number.
⇒ Must provide valid identification documents, such as a Social Security number and a government-issued ID or driver’s license.
• Company Name: – Explore Credit
• Loan Type: – Online Short-term Installment Loans
• State: – Minnesota
• Serviced As: – Tribal Lender
• Minimum Amount: – $300
• Maximum Amount: – $2,000
• Loan Term: – Up to 9 months
• Funding Time: – Same day or next business day
• APR range: – Undisclosed (APR) varies depending on the amount and term.
• Fees: – No prepayment penalty
Disclaimer
Caution: Tribal lenders operate under tribal laws within the Native American Tribe reservations, which may differ from state and federal laws. It's important to note that tribal lenders may not be subject to state or federal laws and regulations that protect consumers from predatory lending practices. Additionally, tribal lenders may have higher interest rates and fees than traditional licensed lenders; borrowers should carefully review all loan terms and fees and understand their rights and recourse in case of disputes. Tribal lenders may not be subject to the same consumer protection regulations as state-regulated and licensed lenders, so proceed cautiously and consider all options before borrowing from a tribal lender.
BadCreditLoans.com is a lender connection service that aims to assist individuals in Minnesota by connecting them with a broad network of lenders and loan providers. They offer personal installment loans that range from $500 to $10,000. Focusing on transparency and ease, they provide a simplified application process that ensures a smooth borrowing environment. This makes it easier for individuals with less-than-perfect credit to find the best financing solution for their needs.
APR Range
5.99% – 35.99%*
Min. Credit Score
None
Repayment Terms
3 months to 6 years
Funding Time
Next business day*
⇒ Age Requirement: Applicant must be at least 18 or above.
⇒ Citizenship Status: Proof of U.S. citizenship or permanent residency.
⇒ Identification: To verify your identity, you must present a driver’s license or a valid state-issued ID.
⇒ Income Stability: A consistent and reliable source of income from self-employment or full-time employment is needed.
⇒ Income Verification: The lender may ask for supporting documents like pay stubs or bank statements to verify income.
⇒ Active Bank Account: An active checking account in the applicant’s name.
⇒ Contact Details: Valid home and work phone numbers for effective communication.
⇒ Email Address: You must provide a valid email address for timely updates and communication.
• Company Name: – BadCreditLoans.com (Great, LLC)
• Loan Type: – Unsecured Installment Loans
• State: – Minnesota
• Serviced As: – Lender Connection Service (Not a Direct Lender)
• Minimum Amount: – $500
• Maximum Amount: – $10,000
• Loan Term: – 3 months to 72 months
• Funding Time: – As soon as next business day* (Varies by the lender)
• APR range: – 5.99% – 35.99%* (The requirements may vary depending on the lender and state regulations.)
• Fees: – The lender will disclose all loan fees to the borrower.
Your lender or financial service providers will solely determine the loan term, fees, and interest rates.
APR Range Example
$2,500 loan at 18.9% APR = $230.27/month for 12 months ($2763.26 total)
CashUSA.com is a trusted online lender connecting platform that links borrowers to a vast network of reputable direct lenders and loan providers in Minnesota. Offering installment loans ranging from $500 to $10,000, CashUSA.com provides a reliable and beneficial solution for those needing financial assistance, ensuring clarity and customer satisfaction throughout the lending process.
APR Range
5.99% – 35.99%*
Min.Credit Score
None
Repayment Terms
Up to 6 years
Funding Time
1 to 2 business days*
⇒ To qualify, the applicant must meet the minimum age requirement of 18 years and be a U.S. citizen or a permanent resident.
⇒ To proceed, the applicant must have an active and valid checking account in their name.
⇒ Must have a stable source of income from either a full-time job or self-employment. A minimum employment history of 90 days is required.
⇒ Provide precise contact details, including a valid email address, phone number, and residential address.
• Company Name: – CashUSA.com
• Loan Type: – Installment Loans Online
• State: – Minnesota
• Serviced As: – Lender Connecting Marketplace (Not a Direct Lender)
• Minimum Amount: – $500
• Maximum Amount: – $10,000
• Loan Term: – 3 months to 72 months
• Funding Time: – As quick as the following business day (depending on the lender)
• APR range: – 5.99% -35.99% (Varies on the lender)
• Fees: – The lender has complete discretion over the origination fee, as well as any other fees.
The loan term, fees, and interest rates are determined solely by your lender or lending partner.
APR Range Example
$4000 loan at 26.9% APR = $217.32/month for 24 months ($5215.65 total)
OppLoans operates as a loan facilitator in Minnesota, facilitating borrowers to obtain personal installment loans up to $4,000 through their network of lending partners. They provide a reliable financing solution for individuals dealing with unforeseen expenses or financial difficulties, making them a preferred choice between borrowers with various credit backgrounds. The loans are serviced by OppLoans and funded by their lending partners.
APR Range
Up to 160%*
Min.Credit Score
550+
Repayment Terms
9 to 18 Months
Funding Time
1 to 3 working days*
⇒ Age Eligibility: To qualify, the applicant must be at least 18 years old or above.
⇒ Banking Requirement: An active checking or savings account under the applicant’s name is an absolute requirement.
⇒ Citizenship or Residency: Applicant must be U.S. citizen or hold permanent residency status.
⇒ Stable Income: Having a reliable and stable income source is essential.
⇒ Identification: A valid government-issued ID is an absolute requirement for identity verification.
⇒ Contact Details: Provide valid and up-to-date contact info, including email and phone number.
• Company Name: – OppLoans (Opportunity Financial, LLC)
• Loan Type: – Personal Installment Loans
• State: – Minnesota
• Serviced As: – Loan servicer (Loans are approved, underwritten, and funded by its lending partners while serviced by OppLoans.)
• Minimum Amount: – $500
• Maximum Amount: – $4,000
• Loan Term: – 9 months to 18 months
• Funding Time: – 1 to 3 business days
• APR range: – Up to 160% (APR) may vary depending on the loan amount, loan term, and creditworthiness.
• Fees: – No prepayment penalties
APR Range Example
$1200 at 160% APR = $205.84/month for 12 months ($2470.04 total)
HonestLoans.net acts as a reliable lender connecting platform, providing access to a broad network of reputable direct lenders in Minnesota. Whether you need a payday, personal, or installment loan, they provide loans ranging from $200 to $50,000, offering borrowing options that are adaptable to fit your financial requirements. Experience a convenient and straightforward process to explore suitable loan options through Honest Loans.
APR Range
Varies
Min Credit Score
None
Repayment Terms
Varies
Funding Time
1 to 2 business days*
⇒ Applicant must meet the minimum age requirement of 18 years.
⇒ Must be a U.S. citizen or permanent resident.
⇒ Must hold an active checking account.
⇒ Prove a stable source of income.
⇒ Income verification documents may be required.
⇒ Meet the specified minimum monthly income requirement of $800.
⇒ Provide correct contact details, including a valid phone number and email address.
• Company Name: – HonestLoans.net
• Loan Type: – Payday Loans, Installment Loans & Personal Loans
• State: – Minnesota
• Serviced As: – Lender Connection Service
• Minimum Amount: – $200
• Maximum Amount: – $50,000
• Loan Term: – Up to 6 years*
• Funding Time: – 1 to 2 working days*
• APR range: – The Annual Percentage Rates (APRs) can differ based on the policies of the lender and the regulations of the state.
• Fees: – The lender will disclose about any fees associated with the loan.
The loan term, fees, and interest rates are determined solely by your lender or lending partner.
ZocaLoans is a tribal lender that provides short-term installment loans in Minnesota. With loan amounts ranging from $200 to $1,500, ZocaLoans offers a quick and convenient solution for unexpected financial needs. As a direct tribal lender, ZocaLoans operates under the laws and regulations of Native American tribe reservations.
APR Range
Up to 795%*
Min Credit Score
None
Repayment Terms
Up to 6 Months
Funding Time
As soon as next business day*
⇒ Age Requirement: You must be 18 years of age or older.
⇒ Identity Verification: A valid government-issued ID, such as a driver’s license.
⇒ Banking Information: An active checking account with ABA routing numbers and debit card details is required.
⇒ Contact Details: For effective communication, you must provide accurate contact information, including a valid phone number and email address.
⇒ Income Validation: You may need to provide proof of income or employment as part of the loan eligibility evaluation.
• Company Name: – ZocaLoans (Rosebud Lending)
• Loan Type: – Short-term Installment Loans
• State: – Minnesota
• Serviced As: – Direct Tribal Lender
• Minimum Amount: – $200
• Maximum Amount: – $1,500
• Loan Term: – Up to 6 Months
• Funding Time: – As quick as same or following business day*
• APR range: – Up to 795%* (APR) varies on loan amount and term
• Fees: – No prepayment penalties
NSF fee of $25* and Late fee of $25* may apply.
Disclaimer
Caution: Tribal lenders operate under tribal law, which may differ from state and federal law. It's important to note that they are not subject to federal laws and regulations that protect consumers from predatory lending practices. Additionally, tribal lenders may have higher interest rates and fees than traditional lenders; borrowers should carefully review all loan terms and fees and understand their rights and recourse in case of disputes. Tribal lenders may not be subject to the same consumer protection regulations as other state-regulated and licensed lenders, so proceed cautiously and consider all options before borrowing from a tribal lender.
LendingPoint Personal Loan Disclosure
* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
SoFi Personal Loan Disclosure
Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 11/12/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change.
Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.
Universal Credit Personal Loan Disclosure
Upstart Personal Loan Disclosure
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.
The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.10% and a 8.53% origination fee of $853, for an APR of 24.65%. In this example, the borrower will receive $9,147 and will make 60 monthly payments of $267. APR is calculated based on 5-year rates offered in June 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Upgrade Personal Loan Disclosure
Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners.
DirectLendersList is not a review site; instead, it provides a comprehensive overview of financial products and services and incorporates the Web Rating feature to assist users in making informed decisions.
Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.
At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.
The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.
Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided “as-is,” with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven’t been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
