Personal loans in Worthington, MN
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Worthington, MN.
The median household in Worthington earns $61,797 a year, 31% below the Minnesota median of $89,062. About 18% of residents live below the federal poverty line, and 32.8% of households rent their home.
Minnesota law that applies in Worthington
| 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 Worthington
Lenders that serve Worthington typically ask for the following:
- 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 Worthington
What Worthington borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Worthington
- 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 Worthington
6 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BMO Bank National Association | 1 | 1027 4th Ave, Worthington 56187 |
| Worthington Federal Savings Bank, FSB | 1 | 418 11th St, Worthington 56187 |
| Rolling Hills Bank & Trust | 1 | 229 10th St, Worthington 56187 |
| First State Bank Southwest | 1 | 1433 Oxford St, Worthington 56187 |
| United Prairie Bank | 1 | 905 Mcmillan Stree6t, Worthington 56187 |
| American Bank & Trust | 1 | 1206 Oxford St, Worthington 56187 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Worthington
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Leading Edge | 1127 Ryans Rd, Worthington 56187 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Nobles County · Payday Loans in Worthington · Title Loans in Worthington
Frequently asked questions
Can I get a personal loan with bad credit in Worthington?
Possibly. Lenders in our network consider applicants with fair and bad credit across Minnesota, including Worthington. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Worthington, 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 Worthington?
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 can I get an emergency loan in Worthington?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
How do I apply for a personal loan with bad credit in Worthington?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
How long does it take to get a personal loan in Worthington?
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 Worthington.
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. Worthington residents can see their options in about 3 minutes.
Do I need to visit a store in Worthington?
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.