Personal loans in Barry, MN

Barry is a small community in Minnesota, with an estimated 15 residents, and every licensed lender here follows the same state rulebook. Barry ranks 851st of 853 places in Minnesota, with a population near 15.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The 2020-to-2023 change in Barry is negligible, under a tenth of a percent. Which products a lender may offer to Barry's 15 residents follows from the Minnesota consumer-lending framework. For a community of about 15, the practical step is to compare APR across at least three lenders before committing. Borrowers who want a bigger city can look to Graceville, MN about 6 miles away.

Barry: population, trend and location

Most of what governs a Barry loan is written in Minnesota law rather than in the city; the sourced notes below make that split concrete.

Land, water and location for Barry

Barry covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 59 residents per square mile. The state's population centre of gravity, Minneapolis, is roughly 165 miles away. Within 50 miles of Barry there are 75 larger Census places. By land area it ranks 802nd of 853 Minnesota places.

Minnesota consumer-lending rules applied in Barry

When Minnesota does not publish a figure, the row links to the source instead of inventing a number; Barry is bound by the same rules.

RuleDetailSource
State lending regulatorMinnesota Department of Commerce (commissioner of commerce)
Source says: ""Commissioner" means the commissioner of commerce"
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16
Payday lending statusLegal and licensed; APR capped at 36%, or up to 50% with an ability-to-repay analysis (Minn. Stat. §§ 47.60, 47.601, 47.603)
Source says: "The cap on that annual percentage rate is set at either 36%, or up to 50% if the lender conducts an ability to repay analysis"
Minnesota Department of Commerce
as of 2026-09-16
Small-loan / installment lender licensingRegulated loan license required from the commissioner for loans within the Chapter 56 threshold (Minn. Stat. § 56.01)
Source says: "without first obtaining a license from the commissioner, no person shall engage in the business of making loans of money"
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16

How lenders reach Barry

Barry is sparsely settled, with about 59 people per square mile and 75 larger places within 50 miles. Whether Barry has a local branch or not, a Minnesota-licensed lender can serve its 15 people online on the same terms. The nearest bigger place is Graceville, MN about 6 miles away.

The anatomy of a Barry personal loan

With roughly 15 residents, Barry is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Barry. The term you choose in Barry decides the split between a comfortable payment and the total interest you pay.

How Barry compares across Minnesota

Set beside Minnesota's 853 places, Barry ranks 851st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Barry stands 355th among Minnesota's 853 places — roughly the 58th percentile. At about 59 people per square mile, Barry is the 812th most densely settled place in Minnesota. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Barry if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Barry is the same as anywhere in Minnesota.
What loan size can I expect in Barry?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Barry?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Barry cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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