Personal loans in Grygla, MN
Grygla lost roughly 2.2% of its population across the 2020-to-2023 comparison. In Grygla, one of 853 Census places in Minnesota, the figure to compare across lenders is the APR, not the advertised rate.
Grygla is home to roughly 175 people and stands 671st by size out of 853 Census places in Minnesota. The nearest larger city is Middle River, MN about 26 miles away. A single loan can carry different costs on either side of a state line, and Grygla sits on the Minnesota side of that line. Rate-shopping from Grygla costs nothing at pre-qualification, where a soft pull leaves your credit file alone.
Local context for Grygla
Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.
- Population: an estimated 175 residents, 671st of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 2.2% from 2020 to 2023.
- People gained or lost: about 4 fewer since the 2020 base.
- Size percentile: about 21% of Minnesota's Census places are smaller than Grygla.
- Population density: about 303 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Grygla ranks 659th among Minnesota's 853 places, at 0.6 sq mi.
- State share: roughly 0.0% of Minnesota's residents live in Grygla (175 people).
- National rank: Grygla sits 16,869th by population among the 19,457 places in this dataset.
- Growth rank: Grygla ranks 652nd among Minnesota's 853 places for the 2020-to-2023 change.
- Against the state trend: Grygla's 2.2% change compares with a Minnesota average of +0.1% across its 853 places.
- Density in Minnesota: Grygla ranks 609th by people per square mile.
- Density vs Minnesota: Grygla's 303 people per square mile compare with a state median of 607.
- Location: latitude 48.2997, longitude -95.6240 (Census Gazetteer).
- Nearest larger cities: Middle River (26 mi); Thief River Falls (29 mi); Newfolden (33 mi); Plummer (33 mi); Oklee (34 mi). Living near a larger metro rarely changes what is available in Grygla.
- Smaller communities within reach: Goodridge (14 mi); Holt (26 mi); Strathcona (30 mi).
- Smaller places within 50 miles: 12 of them.
- Within 100 miles: 78 places are larger than Grygla.
How a Grygla personal loan is priced
With roughly 175 residents, Grygla is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Grygla can be quoted different APRs on the same amount and term. The term you choose in Grygla decides the split between a comfortable payment and the total interest you pay.
Which Minnesota laws govern a loan in Grygla
Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Grygla 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 |
| Payday lending status | Legal and licensed; APR capped at 36%, or up to 50% with an ability-to-repay analysis (Minn. Stat. §§ 47.60, 47.601, 47.603) Source says: "The cap on that annual percentage rate is set at either 36%, or up to 50% if the lender conducts an ability to repay analysis" | Minnesota Department of Commerce 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 |
Grygla's place among Minnesota's 853 places
Among Minnesota's 853 places, Grygla sits at 671st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Grygla stands 652nd among Minnesota's 853 places — roughly the 24th percentile. At about 303 people per square mile, Grygla is the 609th most densely settled place in Minnesota. By land area, its 0.6 square miles rank 659th of 853 places in Minnesota.
The geography behind Grygla
Inside Grygla's boundaries lie about 0.6 square miles of land, with no significant water area recorded. That land carries about 303 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 256 miles away. Within 50 miles of Grygla there are 17 larger Census places. The 100-mile radius contains 78 larger places.
Getting a loan in Grygla
With about 303 residents per square mile, Grygla is lightly settled, and 17 larger Census places sit within 50 miles. Whether Grygla has a local branch or not, a Minnesota-licensed lender can serve its 175 people online on the same terms. The nearest bigger place is Middle River, MN about 26 miles away.
Common questions
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Nearby places
- Goodridge, MN — population 107
- Oklee, MN — population 411
- Trail, MN — population 38
- Gully, MN — population 57
- Middle River, MN — population 296
- Roseau, MN — population 2,692
- Plummer, MN — population 273
- Holt, MN — population 88