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.

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.

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.

Before you apply in Fridley

Before you apply in Fridley, a community of about 30,156, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the Minnesota licence with the regulator named above before committing.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. 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.

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 ability-to-repay requirementRequired 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.

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