Personal loans in Fridley, MN
Fridley added about 2.0% to its population between the 2020 base and the 2023 estimate. Two households in Fridley with comparable incomes can still be offered different rates; the city's 30,156 residents are not the reason.
An estimated 30,156 people make their home in Fridley, a figure that ranks 32nd in Minnesota. The closest larger place is Brooklyn Center, MN about 3 miles away. A single loan can carry different costs on either side of a state line, and Fridley sits on the Minnesota side of that line. Read the disclosure for an origination fee and any prepayment penalty before signing in Fridley.
Local context for Fridley
Here is the sourced Census picture for Fridley, plus the Minnesota lending rules that apply to a loan taken out here.
- Population: the Census counts 30,156 residents in Fridley (Vintage 2023 subcounty estimate), the 32nd-largest figure among Minnesota's 853 places.
- Population trend: Growth of about 2.0% across the 2020-to-2023 comparison.
- People gained or lost: about 578 more since the 2020 base.
- Size percentile: roughly 96% of Minnesota's places have fewer residents than Fridley's 30,156.
- Land and density: 10.2 square miles of land carry roughly 2,967 residents per square mile.
- Land area: Fridley covers 10.2 square miles, the 114th-largest area among Minnesota's 853 places.
- Water: Fridley holds about 0.72 square miles, the 110th-largest water area in Minnesota.
- Share of state population: Fridley's 30,156 residents are about 0.6% of Minnesota.
- National standing: Fridley ranks 1,312th of 19,457 US places.
- Growth rank: Fridley ranks 173rd among Minnesota's 853 places for the 2020-to-2023 change.
- Against the state trend: Fridley's 2.0% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: Fridley places 30th among Minnesota's places by people per square mile.
- Against the state median: Fridley runs about 2,967 residents per square mile, where the Minnesota median is 607.
- Location: mapped by the US Census Bureau at 45.0842, -93.2601.
- Nearest larger cities: Brooklyn Center (3 mi); Brooklyn Park (5 mi); Blaine (7 mi); Coon Rapids (7 mi); Roseville (7 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Hilltop (2 mi); Spring Lake Park (2 mi); Columbia Heights (3 mi).
- Smaller neighbours: 186 places smaller than Fridley sit within 50 miles.
- Within 100 miles: 30 places are larger than Fridley.
Before you apply in Fridley
Before you apply in Fridley, a community of about 30,156, work through these steps:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the Minnesota licence with the regulator named above before committing.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
The process is identical across Minnesota; what changes is your credit file, not the fact that Fridley holds 30,156 people.
Borrowing reach in Fridley
At roughly 2,967 people per square mile, Fridley is fairly dense; 26 larger places lie within 50 miles. Whether Fridley has a local branch or not, a Minnesota-licensed lender can serve its 30,156 people online on the same terms. For a larger market, the closest option is Brooklyn Center, MN about 3 miles away.
The state rulebook for Fridley
This table holds the Minnesota rate and licensing rules for consumer loans made to Fridley's 30,156 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 ability-to-repay requirement | Required for payday loans with an APR above 36% (Minn. Stat. § 47.603) Source says: "This section applies to all payday loans with an annual percentage rate that exceeds 36 percent." | 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 |
How Fridley compares across Minnesota
Against Minnesota's other places, Fridley accounts for about 0.6% of the state's population and ranks 32nd of 853 by size. For population change between 2020 and 2023, Fridley ranks 173rd of 853 in Minnesota (about the 80th percentile). At about 2,967 people per square mile, Fridley is the 30th most densely settled place in Minnesota. Within 50 miles sit 186 smaller Census places, alongside the 26 that are larger.
Fridley on the map
Inside Fridley's boundaries lie roughly 10.2 square miles of land and 0.72 square miles of water. With 30,156 residents, the land area yields roughly 2,967 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 8 miles. Fridley has 26 larger places within a 50-mile radius. By land area it ranks 114th of 853 Minnesota places.
Common questions
What are my options in Fridley if my credit is poor?
What loan size can I expect in Fridley?
Do I have to pledge anything to borrow in Fridley?
Does comparing loans in Fridley cost me credit score points?
Nearby places
- Hilltop, MN — population 951
- Spring Lake Park, MN — population 7,049
- Columbia Heights, MN — population 22,278
- New Brighton, MN — population 22,228
- Mounds View, MN — population 12,782
- Brooklyn Center, MN — population 31,688
- St. Anthony, MN — population 9,970
- Robbinsdale, MN — population 13,968