Personal loans in Grand Rapids, MN

With roughly 11,271 residents, Grand Rapids is a small town, and the lending rules its borrowers live under are written in Minnesota, not by the city. A single loan can carry different costs on either side of a state line, and Grand Rapids sits on the Minnesota side of that line. Use the calculator on this page to price an amount and term before you commit in Grand Rapids. A larger market lies at Hibbing, MN about 30 miles away.

The Grand Rapids data picture

Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.

• Population: about 11,271, ranked 97th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
• Population trend: Up about 1.6% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 181 more people than the 2020 Census counted.
• Size percentile: with 11,271 residents, Grand Rapids is larger than about 89% of Minnesota's Census places.
• Land and density: 22.4 square miles of land carry roughly 504 residents per square mile.
• Land area: Grand Rapids covers 22.4 square miles, the 65th-largest area among Minnesota's 853 places.
• Water area: Grand Rapids has 1.88 square miles of water, ranking 48th of 853 places in Minnesota.
• State population share: Grand Rapids accounts for about 0.2% of everyone in Minnesota.
• National rank: Grand Rapids is 2,881st of 19,457 places nationwide.
• Growth rank: Grand Rapids ranks 191st among Minnesota's 853 places for the 2020-to-2023 change.
• Versus Minnesota: the state average change is +0.1%, while Grand Rapids moved 1.6%.
• Density in Minnesota: Grand Rapids ranks 473rd by people per square mile.
• Density in context: Grand Rapids's 504 people per square mile sit against a Minnesota median of 607.
• Location: 47.2385, -93.5326 (Census Gazetteer coordinates).
• Nearest larger cities: Hibbing (30 mi); Cloquet (60 mi); Bemidji (65 mi); Brainerd (69 mi); Duluth (73 mi). Online lenders reach Grand Rapids no matter how far the nearest branch is.
• Nearest smaller towns: La Prairie (2 mi); Coleraine (4 mi); Cohasset (6 mi).
• Smaller places within 50 miles: 40 of them.
• At 100 miles: 6 larger Census places fall inside that radius.

How Minnesota law applies in Grand Rapids

Minnesota has no separate rate rule for Grand Rapids; the sourced rows below are what reach every lender that serves its 11,271 people.

How lenders reach Grand Rapids

At roughly 504 people per square mile, Grand Rapids is moderately settled; 1 larger places lie within 50 miles. Lenders licensed in Minnesota reach Grand Rapids's 11,271 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Hibbing, MN about 30 miles away.

Where Grand Rapids sits in Minnesota

Among Minnesota's 853 places, Grand Rapids sits at 97th for population, a share of roughly 0.2% of the state. On the 2020-to-2023 trend, Grand Rapids stands 191st among Minnesota's 853 places — roughly the 78th percentile. At about 504 people per square mile, Grand Rapids is the 473rd most densely settled place in Minnesota. By land area, its 22.4 square miles rank 65th of 853 places in Minnesota.

Where Grand Rapids sits

Grand Rapids covers about 22.4 square miles of land, with 1.88 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 504 residents per square mile. Minneapolis, the largest place in Minnesota, is about 158 miles from Grand Rapids. Grand Rapids has 1 larger places within a 50-mile radius. The 100-mile radius contains 6 larger places.

Before you apply in Grand Rapids

Complete these steps first when you borrow in Grand Rapids (11,271 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Minnesota licence with the regulator named above before committing.
5. Make sure the new payment leaves room in a budget you already keep.
6. Pick the shortest term whose payment you can comfortably afford.
7. Keep the amount to the expense; an approval is not a reason to take more.

What differs between Grand Rapids and the rest of Minnesota is not the process but the borrower's own file, among the 11,271 people here.