Personal loans in Rose Creek, MN

Roughly 395 residents live in Rose Creek, the 537th-largest community in Minnesota. Rose Creek is a small community of about 395 residents, and a personal loan taken out here is governed by Minnesota statute.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

If debt is already a strain, a nonprofit credit counsellor can help Rose Creek residents before they take on more. Every figure below is Minnesota's own, applied to Rose Creek's 395 residents, with the publisher and retrieval date attached. Census figures put the 2020-to-2023 decrease in Rose Creek at about 0.8%. The nearest larger metro is Adams, MN about 6 miles away.

Rose Creek: population, trend and location

Most of what governs a Rose Creek loan is written in Minnesota law rather than in the city; the sourced notes below make that split concrete.

The Minnesota lending rules that reach Rose Creek

Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Rose Creek 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

Land, water and location for Rose Creek

The Census Gazetteer records about 0.5 square miles of land within Rose Creek, with no significant water area listed. The resulting density is about 806 people per square mile. The largest place in Minnesota, Minneapolis, lies about 96 miles away. A 50-mile radius around Rose Creek takes in 67 places that are larger. By land area it ranks 696th of 853 Minnesota places.

Where Rose Creek sits in Minnesota

Among Minnesota's 853 places, Rose Creek sits at 537th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 428th of 853 Minnesota places, putting it near the 50th percentile for growth. At about 806 people per square mile, Rose Creek is the 346th most densely settled place in Minnesota. In land area, Rose Creek ranks 696th among Minnesota's 853 places.

What is available to Rose Creek borrowers

Rose Creek is a moderately settled community of about 395 people, with 67 larger places inside a 50-mile radius. Lenders licensed in Minnesota reach Rose Creek's 395 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Adams, MN about 6 miles away.

A practical checklist for Rose Creek borrowers

A sensible order of operations for a loan in Rose Creek, home to about 395 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the Minnesota licence with the regulator named above before committing.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Rose Creek as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 395 residents.

Compare personal loan offers Run the numbers first

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

Related