Personal loans in Ghent, MN
Ghent is a small community in Minnesota, with an estimated 377 residents, and every licensed lender here follows the same state rulebook. From the 2020 Census base to the 2023 estimate, the population rose by about 0.3%.
The Census estimates 377 residents in Ghent, which ranks it 547th of 853 places in Minnesota. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ghent loan. For the 377 people in Ghent, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. For a bigger market, look to Minneota, MN about 6 miles away.
What the Census records for Ghent
Ghent is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 377, ranked 547th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 0.3% from 2020 to 2023.
- Absolute change: 1 residents added between 2020 and 2023.
- Size percentile: with 377 residents, Ghent is larger than about 36% of Minnesota's Census places.
- Population density: 1,204 people per square mile on 0.3 square miles of land.
- Land area rank: Ghent's 0.3 square miles rank 775th of 853 places in Minnesota.
- Share of state population: Ghent's 377 residents are about 0.0% of Minnesota.
- National rank: Ghent sits 14,316th by population among the 19,457 places in this dataset.
- Growth in Minnesota: Ghent stands 297th by percentage change from 2020 to 2023, among 853 places.
- State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Ghent's 0.3%.
- Density rank: Ghent places 199th among Minnesota's places by people per square mile.
- Density in context: Ghent's 1,204 people per square mile sit against a Minnesota median of 607.
- Location: 44.5116, -95.8926 (Census Gazetteer coordinates).
- Nearest larger cities: Minneota (6 mi); Marshall (7 mi); Lynd (8 mi); Cottonwood (13 mi); Ivanhoe (18 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Taunton (10 mi); Russell (13 mi); St. Leo (16 mi).
- Within a 50-mile radius: 53 smaller Census places.
- Within 100 miles: 201 places are larger than Ghent.
Borrowing reach in Ghent
Ghent is moderately settled, with about 1,204 people per square mile and 45 larger places within 50 miles. Distance to a branch rarely matters for Ghent's 377 residents: the application is online and the price follows your credit file. The nearest bigger place is Minneota, MN about 6 miles away.
Ghent: area, density and distance
Ghent covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 377 residents, the land area yields roughly 1,204 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 133 miles away. A 50-mile radius around Ghent takes in 45 places that are larger. By land area it ranks 775th of 853 Minnesota places.
How Ghent compares across Minnesota
Against Minnesota's other places, Ghent accounts for about 0.0% of the state's population and ranks 547th of 853 by size. On the 2020-to-2023 trend, Ghent stands 297th among Minnesota's 853 places — roughly the 65th percentile. Its roughly 1,204 residents per square mile place it 199th among Minnesota's places. Within 50 miles sit 53 smaller Census places, alongside the 45 that are larger.
What Minnesota law requires in Ghent
Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Ghent lender must follow.
| 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 |
| 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 |
| 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 |
The Ghent borrowing checklist
Complete these steps first when you borrow in Ghent (377 residents):
- Start with the credit file: order the reports, fix the errors, then apply.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Shop at least three lenders and judge them on APR and total cost.
- Look the lender up in the Minnesota regulator's licence records before you sign.
- Make sure the new payment leaves room in a budget you already keep.
- Weigh a shorter term's higher payment against the interest it saves.
- Borrow only what the purpose requires, not the maximum you are offered.
In Ghent as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 377 residents.
Common questions
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Nearby places
- Minneota, MN — population 1,348
- Lynd, MN — population 429
- Marshall, MN — population 13,906
- Taunton, MN — population 132
- Russell, MN — population 351
- Cottonwood, MN — population 1,138
- St. Leo, MN — population 92
- Balaton, MN — population 583