Personal loans in Falcon Heights, MN

The roughly 4,984 people who live in Falcon Heights borrow under Minnesota rules; city hall sets no personal-loan rate. About 4,984 people live in Falcon Heights, placing it 154th of 853 Census places in Minnesota. Population in Falcon Heights dropped about 7.0% over the three years from 2020 to 2023. Consumer lending that reaches Falcon Heights's 4,984 residents is governed by Minnesota statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Falcon Heights. For a bigger market, look to Roseville, MN about 2 miles away.

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

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Where Falcon Heights stands

The figures below are Falcon Heights's own — Census population, land area and coordinates — followed by the Minnesota rules.

Population: 4,984 — Falcon Heights ranks 154th of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
Population trend: About 7.0% below the 2020 Census base.
People gained or lost: about 377 fewer since the 2020 base.
Size percentile: with 4,984 residents, Falcon Heights is larger than about 82% of Minnesota's Census places.
Population density: about 2,232 people per square mile across 2.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Falcon Heights ranks 305th among Minnesota's 853 places, at 2.2 sq mi.
Share of Minnesota: Falcon Heights holds about 0.1% of the state's population, some 4,984 people.
National rank: Falcon Heights sits 4,831st by population among the 19,457 places in this dataset.
Growth rank: Falcon Heights ranks 849th among Minnesota's 853 places for the 2020-to-2023 change.
Against the state trend: Falcon Heights's 7.0% change compares with a Minnesota average of +0.1% across its 853 places.
Density in Minnesota: Falcon Heights ranks 55th by people per square mile.
Against the state median: Falcon Heights runs about 2,232 residents per square mile, where the Minnesota median is 607.
Location: it lies at 44.9881, -93.1747 in the Census Gazetteer.
Nearest larger cities: Roseville (2 mi); St. Anthony (4 mi); St. Paul (4 mi); Minneapolis (5 mi); Little Canada (5 mi). Larger metros often have more branches, but online lenders reach Falcon Heights on the same terms.
Smaller places close by: Lauderdale (1 mi); Hilltop (6 mi); Lilydale (6 mi).
Smaller neighbours: 104 places smaller than Falcon Heights sit within 50 miles.
At 100 miles: 139 larger Census places fall inside that radius.

Before you apply in Falcon Heights

Before you hand your details to a lender in Falcon Heights, where the population is near 4,984:

Start with the credit file: order the reports, fix the errors, then apply.
Test your amount and term in the personal loan calculator first.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Check the Minnesota regulator's records to confirm the lender is licensed here.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Keep the amount to the expense; an approval is not a reason to take more.
Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Falcon Heights-specific: the same Minnesota licensing and disclosure rules reach all 4,984 residents.

How Falcon Heights compares across Minnesota

Within Minnesota, Falcon Heights holds roughly 0.1% of all residents, the 154th-largest share among 853 places. On the 2020-to-2023 trend, Falcon Heights stands 849th among Minnesota's 853 places — roughly the 0th percentile. At about 2,232 people per square mile, Falcon Heights is the 55th most densely settled place in Minnesota. The population moved by about 377 people between 2020 and 2023, a 7.0% shift.

How a Falcon Heights personal loan is priced

In Falcon Heights, a small community of about 4,984, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Falcon Heights lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Falcon Heights loan but raises total interest, so the smallest payment is not the cheapest loan.

Which Minnesota laws govern a loan in Falcon Heights

The rows below set out what a licensed lender must follow in Minnesota, and so for Falcon Heights's roughly 4,984 residents.

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

Getting a loan in Falcon Heights

Falcon Heights is a fairly dense community of about 4,984 people, with 108 larger places inside a 50-mile radius. What is available to Falcon Heights's 4,984 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Roseville, MN about 2 miles away.

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Common questions

What are my options in Falcon Heights 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 Falcon Heights is the same as anywhere in Minnesota.

What loan size can I expect in Falcon Heights?

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 Falcon Heights?

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 Falcon Heights 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

Lauderdale, MN — population 2,326
Roseville, MN — population 35,451
St. Anthony, MN — population 9,970
St. Paul, MN — population 303,820
Arden Hills, MN — population 9,461
New Brighton, MN — population 22,228
Lilydale, MN — population 782
Columbia Heights, MN — population 22,278