Personal loans in Carver, MN

Personal loans in Carver are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 6,613 population. Work out your debt-to-income ratio first; lenders weigh it heavily, and Carver's 6,613 residents are no exception. The Census estimates 6,613 residents in Carver, which ranks it 136th of 853 places in Minnesota. To lend to Carver's 6,613 residents, a company must hold a Minnesota licence, and each sourced row below names the regulator behind it. From the 2020 Census base to the 2023 estimate, the population rose by about 23.9%. The closest larger place is Chaska, MN about 4 miles away.

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 Carver data picture

Here is the sourced Census picture for Carver, plus the Minnesota lending rules that apply to a loan taken out here.

Land, water and location for Carver

Inside Carver's boundaries lie roughly 4.8 square miles of land and 0.20 square miles of water. The resulting density is about 1,388 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 23 miles away. A 50-mile radius around Carver takes in 97 places that are larger. The 100-mile radius contains 120 larger places.

Minnesota consumer-lending rules applied in Carver

Below are the Minnesota rules that apply to a loan made in Carver, each with the regulator that issued it.

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
Maximum legal interest rate (usury cap)6% per year legal rate of interest; a different rate may be contracted for in writing (Minn. Stat. § 334.01)
Source says: "The interest for any legal indebtedness shall be at the rate of $6 upon $100 for a year"
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

Carver against the rest of Minnesota

Carver is the 136th-largest of 853 Census places in Minnesota and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 5th of 853 Minnesota places, putting it near the 99th percentile for growth. At about 1,388 people per square mile, Carver is the 160th most densely settled place in Minnesota. By land area, its 4.8 square miles rank 171st of 853 places in Minnesota.

What is available to Carver borrowers

At roughly 1,388 people per square mile, Carver is moderately settled; 97 larger places lie within 50 miles. What is available to Carver's 6,613 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Chaska, MN about 4 miles away.

What a Carver borrower is actually offered

With roughly 6,613 residents, Carver is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Carver's 6,613 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Carver loan but raises total interest, so the smallest payment is not the cheapest loan.

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 Carver 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 Carver is the same as anywhere in Minnesota.
What loan size can I expect in Carver?
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 Carver?
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 Carver 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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