Personal loans in Brooks, MN
Census data show virtually no population shift in Brooks between 2020 and 2023. For a borrower among the roughly 117 residents of Brooks, a personal loan is a tool whose cost turns on the terms, not the address.
With an estimated 117 residents, Brooks is the 736th-largest of 853 places in Minnesota. The closest larger place is Plummer, MN about 7 miles away. For the 117 people in Brooks, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Read the disclosure for an origination fee and any prepayment penalty before signing in Brooks.
The Brooks data picture
Only a few things actually differ by place — population, area, location, and the Minnesota rules a lender must follow — and they are below.
- Population: 117 people, a figure that places Brooks 736th among the 853 Census places in Minnesota (US Census Bureau, Vintage 2023).
- Population trend: Roughly level with the 2020 Census base.
- Size percentile: about 14% of Minnesota communities are smaller than Brooks (117 residents).
- Land and density: 1.2 square miles of land carry roughly 102 residents per square mile.
- Land area: Brooks covers 1.2 square miles, the 464th-largest area among Minnesota's 853 places.
- Share of Minnesota: Brooks holds about 0.0% of the state's population, some 117 people.
- National rank: Brooks sits 17,821st by population among the 19,457 places in this dataset.
- Growth in Minnesota: Brooks stands 331st by percentage change from 2020 to 2023, among 853 places.
- Versus Minnesota: the state average change is +0.1%, while Brooks moved 0.0%.
- Density rank: Brooks places 763rd among Minnesota's places by people per square mile.
- Density vs Minnesota: Brooks's 102 people per square mile compare with a state median of 607.
- Location: the Census Gazetteer records it at 47.8165, -96.0035.
- Nearest larger cities: Plummer (7 mi); Oklee (7 mi); Erskine (11 mi); Red Lake Falls (13 mi); McIntosh (14 mi). Lenders licensed in the state serve Brooks whether or not they keep a local branch.
- Smaller communities within reach: Mentor (11 mi); Trail (14 mi); Gully (18 mi).
- Smaller places within 50 miles: 13 of them.
- Within 100 miles: 139 places are larger than Brooks.
How personal loans work in Brooks
With roughly 117 residents, Brooks is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Brooks lender to disclose the APR and finance charge before you sign. The term you choose in Brooks decides the split between a comfortable payment and the total interest you pay.
How lenders reach Brooks
Brooks is lightly settled, with about 102 people per square mile and 29 larger places within 50 miles. A Minnesota licence lets a lender serve Brooks without a local office, so branch density does not change what its 117 residents are offered. The nearest bigger place is Plummer, MN about 7 miles away.
Where Brooks sits in Minnesota
Brooks is the 736th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 331st of 853 Minnesota places, putting it near the 61th percentile for growth. At about 102 people per square mile, Brooks is the 763rd most densely settled place in Minnesota. Within 50 miles sit 13 smaller Census places, alongside the 29 that are larger.
Which Minnesota laws govern a loan in Brooks
For the roughly 117 residents of Brooks, the rules below are Minnesota's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Minnesota 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 status | Legal 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 licensing | Regulated 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 |
Where Brooks sits
The Census Gazetteer records about 1.2 square miles of land within Brooks, with no significant water area listed. Spread across it are roughly 102 residents per square mile. Minneapolis, the largest place in Minnesota, is about 236 miles from Brooks. Within 50 miles of Brooks there are 29 larger Census places. Within the same 50 miles lie 13 smaller Census places.
Common questions
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Nearby places
- Plummer, MN — population 273
- Erskine, MN — population 388
- Oklee, MN — population 411
- Mentor, MN — population 101
- McIntosh, MN — population 584
- Red Lake Falls, MN — population 1,336
- Winger, MN — population 174
- St. Hilaire, MN — population 258