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.

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.

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.

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.

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

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.

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