Personal loans in Plymouth, MN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Plymouth, MN.
The median household in Plymouth earns $136,534 a year, 53% above the Minnesota median of $89,062. About 4% of residents live below the federal poverty line, and 24.9% of households rent their home.
Minnesota law that applies in Plymouth
| Rate cap | Licensed regulated lenders and financial institutions may charge the greater of (1) 21.75% APR or (2) 33% a year on the part of the balance up to $1,425 plus 19% on the part above $1,425. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Chapter 56 rates apply to loans up to $100,000 (or 15% of a Minnesota corporate licensee's capital and surplus, if greater). |
Full rules with statute citations: Personal Loans in Minnesota. Cities in Minnesota cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Plymouth
Here's what to have on hand before you start your personal loan request in Plymouth:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Plymouth
What Plymouth borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Plymouth
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Plymouth
14 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 2 | 3305 Plymouth Blvd, Plymouth 55447 |
| Old National Bank | 2 | 3950 Vinewood Ln N, Plymouth 55441 |
| JPMorgan Chase Bank, National Association | 2 | 16895 County Road 24, Plymouth 55447 |
| Wells Fargo Bank, National Association | 1 | 3000 Fernbrook Ln N, Plymouth 55447 |
| First National Bank | 1 | 13605 27th Ave N, Plymouth 55441 |
| Associated Bank, National Association | 1 | 2655 Campus Dr, Plymouth 55441 |
| The Huntington National Bank | 1 | 15525 34th Ave N, Plymouth 55447 |
| Citizens Independent Bank | 1 | 15600 36th Ave N, Plymouth 55446 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Plymouth
8 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Wings | 3455 Plymouth Blvd, Plymouth 55447 |
| Blaze | 10000 Rockford Rd, Plymouth 55442 |
| Trustone Financial | 14601 27Th Ave N, Plymouth 55447 |
| Topline Financial | 4190 Vinewood Ln N, Plymouth 55442 |
| Sharepoint | 13600 Industrial Park Blvd, Plymouth 55441 |
| West Metro Schools | 305 Vicksburg Ln N, Plymouth 55447 |
| Danfoss Employees | 3550 Annapolis Ln N, Plymouth 55447 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Hennepin County · Payday Loans in Plymouth · Title Loans in Plymouth
Frequently asked questions
Can I get a personal loan with bad credit in Plymouth?
Possibly. Lenders in our network consider applicants with fair and bad credit across Minnesota, including Plymouth. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Plymouth, MN?
Greater of 21.75% APR or 33% to $1,425/19% above; small loans 50%.
How fast can I get a personal loan in Plymouth?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How long does it take to get a personal loan in Plymouth?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Plymouth.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Plymouth residents can see their options in about 3 minutes.
Can I get a personal loan in Plymouth with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Plymouth residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Where can I find a loan for bad credit in Plymouth?
You can apply at local banks and lenders in Plymouth, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Plymouth with our free 3-minute form.
Do I need to visit a store in Plymouth?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.