Personal loans in Lowry, MN

The trend for Lowry between 2020 and 2023 is downward by roughly 0.3%. The first question in Lowry is not the rate on offer but whether the payment fits; about 334 people live here under Minnesota lending law.

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 334 people make their home in Lowry, a figure that ranks 567th in Minnesota. The closest larger city is Long Beach, MN about 6 miles away. A single loan can carry different costs on either side of a state line, and Lowry sits on the Minnesota side of that line. Price two or three terms so you can see which payment is truly affordable in Lowry.

What the Census records for Lowry

What follows is Lowry's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.

A pre-application checklist for Lowry

These steps shape the offer you get in Lowry, a place of about 334 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Check the Minnesota regulator's records to confirm the lender is licensed here.
  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. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Lowry as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 334 residents.

Where Lowry sits

Lowry covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 334 residents, the land area yields roughly 739 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 121 miles. A 50-mile radius around Lowry takes in 50 places that are larger. The 100-mile radius contains 205 larger places.

Getting a loan in Lowry

At roughly 739 people per square mile, Lowry is moderately settled; 50 larger places lie within 50 miles. What is available to Lowry's 334 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Long Beach, MN about 6 miles away.

How Minnesota law applies in Lowry

Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Lowry 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
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
Payday lending statusLegal 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

Where Lowry sits in Minnesota

Against Minnesota's other places, Lowry accounts for about 0.0% of the state's population and ranks 567th of 853 by size. Its 2020-to-2023 change ranks 376th of 853 Minnesota places, putting it near the 56th percentile for growth. At about 739 people per square mile, Lowry is the 373rd most densely settled place in Minnesota. By land area, its 0.5 square miles rank 713th of 853 places in Minnesota.

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