Personal loans in McIntosh, MN
The first question in McIntosh is not the rate on offer but whether the payment fits; about 584 people live here under Minnesota lending law.
A single loan can carry different costs on either side of a state line, and McIntosh sits on the Minnesota side of that line. By population, McIntosh sits at 456th in Minnesota, with an estimated 584 residents. Use the calculator on this page to price an amount and term before you commit in McIntosh. From the 2020 Census base to the 2023 estimate, the population declined by about 3.5%. The nearest larger city is Fosston, MN about 7 miles away.
Local context for McIntosh
McIntosh is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 584, 456th among Minnesota's 853 places (Vintage 2023).
- Population trend: Roughly 3.5% fewer residents than the 2020 Census counted.
- Absolute change: 21 residents lost between 2020 and 2023.
- Size percentile: McIntosh sits ahead of around 47% of Minnesota places, at 584 people.
- Land and density: 1.0 square miles of land carry roughly 585 residents per square mile.
- Land area rank: McIntosh's 1.0 square miles rank 523rd of 853 places in Minnesota.
- State share: roughly 0.0% of Minnesota's residents live in McIntosh (584 people).
- National rank: McIntosh is 12,545th of 19,457 places nationwide.
- Growth in Minnesota: McIntosh stands 784th by percentage change from 2020 to 2023, among 853 places.
- State comparison: Minnesota's places average +0.1% for 2020-to-2023, against McIntosh's 3.5%.
- Density rank: McIntosh is the 440th most densely settled place in Minnesota.
- Density in context: McIntosh's 585 people per square mile sit against a Minnesota median of 607.
- Location: 47.6374 / -95.8870, per the US Census Bureau Gazetteer.
- Nearest larger cities: Fosston (7 mi); Fertile (20 mi); Mahnomen (23 mi); Bagley (24 mi); Red Lake Falls (25 mi). Online lenders reach McIntosh no matter how far the nearest branch is.
- Nearest smaller towns: Erskine (6 mi); Winger (8 mi); Mentor (13 mi).
- Smaller neighbours: 35 places smaller than McIntosh sit within 50 miles.
- Larger places within 100 miles: 61.
McIntosh: area, density and distance
The Census Gazetteer records about 1.0 square miles of land within McIntosh, with no significant water area listed. That land carries about 585 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 223 miles away. Within 50 miles of McIntosh there are 10 larger Census places. By land area it ranks 523rd of 853 Minnesota places.
McIntosh in state context
Within Minnesota, McIntosh holds roughly 0.0% of all residents, the 456th-largest share among 853 places. For population change between 2020 and 2023, McIntosh ranks 784th of 853 in Minnesota (about the 8th percentile). Its roughly 585 residents per square mile place it 440th among Minnesota's places. In land area, McIntosh ranks 523rd among Minnesota's 853 places.
The anatomy of a McIntosh personal loan
In McIntosh, a small community of about 584, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving McIntosh's 584 residents must disclose the APR and finance charge in writing before you sign. The term you choose in McIntosh decides the split between a comfortable payment and the total interest you pay.
What Minnesota law requires in McIntosh
Minnesota has no separate rate rule for McIntosh; the sourced rows below are what reach every lender that serves its 584 people.
| 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 |
| 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 |
| Payday ability-to-repay requirement | Required 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 |
Getting a loan in McIntosh
McIntosh is a moderately settled community of about 584 people, with 10 larger places inside a 50-mile radius. What is available to McIntosh's 584 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Fosston, MN about 7 miles away.
Common questions
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Nearby places
- Erskine, MN — population 388
- Winger, MN — population 174
- Fosston, MN — population 1,382
- Oklee, MN — population 411
- Bejou, MN — population 82
- Brooks, MN — population 117
- Trail, MN — population 38
- Mentor, MN — population 101