Personal loans in Maple Grove, MN

With roughly 71,288 residents, Maple Grove is a mid-sized city, and the lending rules its borrowers live under are written in Minnesota, not by the city.

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 71,288 residents in Maple Grove, which ranks it 11th of 853 places in Minnesota. A 2020-to-2023 comparison shows Maple Grove up by about 1.5%. A lender that serves Maple Grove operates under Minnesota lending statutes and a Minnesota supervisor. Rate-shopping from Maple Grove costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Borrowers who want a bigger city can look to Brooklyn Park, MN about 6 miles away.

Local context for Maple Grove

The figures below are Maple Grove's own — Census population, land area and coordinates — followed by the Minnesota rules.

The state rulebook for Maple Grove

This table holds the Minnesota rate and licensing rules for consumer loans made to Maple Grove's 71,288 residents.

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

Lender access in Maple Grove

Maple Grove is a fairly dense community of about 71,288 people, with 8 larger places inside a 50-mile radius. What is available to Maple Grove's 71,288 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Brooklyn Park, MN about 6 miles away.

How a Maple Grove personal loan is priced

With roughly 71,288 residents, Maple Grove is a mid-sized city; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Maple Grove's rank of 11th in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Maple Grove loan but raises total interest, so the smallest payment is not the cheapest loan.

Maple Grove against the rest of Minnesota

Maple Grove is the 11th-largest of 853 Census places in Minnesota and contains about 1.5% of the state's people. Its 2020-to-2023 change ranks 205th of 853 Minnesota places, putting it near the 76th percentile for growth. By density, at about 2,189 people per square mile, it ranks 58th in Minnesota. The population moved by about 1,022 people between 2020 and 2023, a 1.5% shift.

Maple Grove: area, density and distance

Inside Maple Grove's boundaries lie roughly 32.6 square miles of land and 2.48 square miles of water. With 71,288 residents, the land area yields roughly 2,189 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 14 miles. Counting outward 50 miles, 8 larger communities surround Maple Grove. Within the same 50 miles lie 214 smaller Census places.

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

Nearby places

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