Personal loans in Plummer, MN
Personal loans in Plummer are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 273 population. By population, Plummer sits at 601st in Minnesota, with an estimated 273 residents.
For a bigger market, look to Oklee, MN about 10 miles away. The trend for Plummer between 2020 and 2023 is downward by roughly 0.4%. Consumer lending that reaches Plummer's 273 residents is governed by Minnesota statute; no city ordinance changes it. Compare APR, not the interest rate, because the APR folds in most fees on a Plummer loan.
Plummer: population, trend and location
The figures below are Plummer's own — Census population, land area and coordinates — followed by the Minnesota rules.
- Population: about 273, ranked 601st of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 0.4% since the 2020 count.
- Net change: roughly 1 fewer people than the 2020 Census counted.
- Size percentile: about 30% of Minnesota communities are smaller than Plummer (273 residents).
- Land and density: 2.7 square miles of land carry roughly 102 residents per square mile.
- By land area: Plummer ranks 273rd among Minnesota's 853 places, at 2.7 sq mi.
- Share of state population: Plummer's 273 residents are about 0.0% of Minnesota.
- National rank: Plummer sits 15,444th by population among the 19,457 places in this dataset.
- Growth in Minnesota: Plummer stands 381st by percentage change from 2020 to 2023, among 853 places.
- State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Plummer's 0.4%.
- Density in Minnesota: Plummer ranks 762nd by people per square mile.
- Density in context: Plummer's 102 people per square mile sit against a Minnesota median of 607.
- Location: mapped by the US Census Bureau at 47.9152, -96.0415.
- Nearest larger cities: Oklee (10 mi); Red Lake Falls (11 mi); Thief River Falls (15 mi); Erskine (17 mi); McIntosh (20 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Brooks (7 mi); St. Hilaire (10 mi); Mentor (16 mi).
- Smaller places within 50 miles: 22 of them.
- Within 100 miles: 89 places are larger than Plummer.
What a Plummer borrower is actually offered
With roughly 273 residents, Plummer is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Plummer. Because the payment is fixed, the total cost of a Plummer loan is knowable in advance — unlike a revolving card balance.
What is available to Plummer borrowers
At roughly 102 people per square mile, Plummer is lightly settled; 21 larger places lie within 50 miles. A Minnesota licence lets a lender serve Plummer without a local office, so branch density does not change what its 273 residents are offered. The nearest bigger place is Oklee, MN about 10 miles away.
What Minnesota law requires in Plummer
Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Plummer 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 |
| 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 |
Plummer in state context
Among Minnesota's 853 places, Plummer sits at 601st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Plummer stands 381st among Minnesota's 853 places — roughly the 55th percentile. At about 102 people per square mile, Plummer is the 762nd most densely settled place in Minnesota. Within 50 miles sit 22 smaller Census places, alongside the 21 that are larger.
Plummer on the map
Plummer covers about 2.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 102 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 243 miles away. A 50-mile radius around Plummer takes in 21 places that are larger. Within the same 50 miles lie 22 smaller Census places.
Common questions
What are my options in Plummer if my credit is poor?
What loan size can I expect in Plummer?
Do I have to pledge anything to borrow in Plummer?
Does comparing loans in Plummer cost me credit score points?
Nearby places
- Brooks, MN — population 117
- St. Hilaire, MN — population 258
- Oklee, MN — population 411
- Red Lake Falls, MN — population 1,336
- Thief River Falls, MN — population 8,821
- Mentor, MN — population 101
- Erskine, MN — population 388
- McIntosh, MN — population 584