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%.

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 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.

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.

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
Small-loan / installment lender licensingRegulated 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 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

The Ghent borrowing checklist

Complete these steps first when you borrow in Ghent (377 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Look the lender up in the Minnesota regulator's licence records before you sign.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. 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.

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

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