MoneyGeek’s Best Personal Loan Lender in North Dakota: LightStream

To find the best personal loans in North Dakota, MoneyGeek studied more than 30 data points for every different lender, comparing them against each other for a final tally on who is the best in various categories. These data points include ratings from the Better Business Bureau (BBB), loan amounts offered, interest rates, application requirements and more. We also took into account each lender’s accessibility to customers, freedom on the usage of funds and miscellaneous charges like late and origination fees.

Best Overall Personal Loan Lender in North Dakota: LightStream

  • LightStream

    • 4.49% to 20.49%APR Range
    • 660Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 24 to 84 monthsRepayment Terms
    • Same DayTime to Receive Funds


Best Personal Loan Lender for Bad Credit in North Dakota: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Best Personal Loan Lender for Good Credit in North Dakota: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds


Best Loan Lender for Debt Consolidation in North Dakota: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


Best Loan Lender for Home Improvement in North Dakota: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Best Egg

How To Choose The Best Personal Loan Lender In North Dakota For You

The average personal loan debt in North Dakota is around $15,869. When applying for a personal loan, a range of factors must be considered, from credit score to income and so on. Therefore, we made the following list to guide you in finding the best personal loans in North Dakota. Following these steps can help you choose the right lender for your needs.


Ask Yourself the Important Questions

To help you cover the basics of decision-making when it comes to getting a personal loan, ask yourself the following questions.

  • How much funding do you need? This will heavily depend on the purpose of your loan. Whether you’re planning to make a big purchase, pay for an emergency expense or go on a vacation, remember that there’s a limit to how much you can borrow from these lenders. You also wouldn’t want to overshoot, borrowing way more than you need and paying unnecessary interest.
  • What is your credit score? Your credit score plays a major role in whether or not certain lenders will accept your applications. Always look at the minimum credit score requirement of your chosen lender and see if you qualify.
  • Can you afford the monthly payment? Do not take monthly payments lightly, no matter how manageable they seem to be. Remember that you’re stuck repaying a personal loan for years.
  • How much debt do you already have? If you plan to get a personal loan to pay for your other debt (like credit cards), make sure that you won’t simply transfer yourself from one unmanageable situation to another.

Do Your Research

While we try our best to provide all the essential information, we cannot stress enough the significance of conducting independent research and comparing rates prior to applying for a loan. Because our suggestions might not be ideal for your present demands or particular profile, it's in your best interest to look into several options. Compare loans from several lenders before choosing one.



Waiting a day or two before making your decision is a good idea as well. Again, obtaining a personal loan is a big commitment, and you must be certain that it is the best decision for you. This is not to discourage you from taking a personal loan, but rather as a reminder of how crucial it is to make an educated and informed decision.


Read the Fine Print

When it comes to private loans, many individuals miss the small but crucial details. We recommend that once you've chosen a lender, you check into expenses such as prepayment penalties, origination fees and so on. Digging into the small details may save you a lot of money in the long run.



You can apply once you're satisfied with your chosen lender and have provided all of the details they need. During the application process, lenders will ask for identity, address verification and proof of income. Furthermore, while applying online may be more convenient for some, there's no harm in phoning or visiting the lender if you would rather.

What to Do if You Can’t Get a Personal Loan in North Dakota

It's not the end of the world if you’re turned down for a loan. It's usually due to a variety of factors, like a poor credit score paired with insufficient income. If your application is declined, you should phone or email the lender to find out why. Also, inquire as to whether you might make any changes to your application to make it more acceptable to them. This can involve things like reducing the loan amount or shortening the term.

If necessary, you may apply for a loan with another lender, but this should be avoided until you address the factors that led you to be refused in the first place. That's because you're likely to be rejected by other companies as well.

Also, a word of caution: while a payday loan may appear enticing if you need money immediately, it's rarely a good idea. Payday loans have many disadvantages, including sky-high interest rates and short payback terms.

Frequently Asked Questions About Personal Loans in North Dakota

There are many factors that determine which North Dakota personal loan lender is best for you. Here are the answers to some of the most frequently asked questions about personal loans in North Dakota.

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We reviewed more than 30 personal loan lenders using 35+ individual data points across six key categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

Within each ranking criteria category, we considered several individual data points that we feel carry the most weight when choosing a personal loan lender. These factors include APR ranges, available loan amount, minimum credit score, minimum income amount, application fees and disbursement time.

Here at MoneyGeek, we value you, the consumer, so we also factor in each lender’s customer support, business ratings and additional features that could make your experience easier and more accessible — like prequalification, payment options and mobile apps.

After careful consideration and calculation, our picks are chosen with your best interest in mind. Our personal loan recommendations and expert tips are meant to help you make the best decision when choosing a lender that meets your needs.

The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.