Personal loans in Sargeant, MN

A lender serving Sargeant holds a Minnesota licence and answers to a Minnesota regulator; no city office is involved for its 64 residents. Population in Sargeant dropped about 1.5% over the three years from 2020 to 2023.

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.

Sargeant is home to roughly 64 people and stands 807th by size out of 853 Census places in Minnesota. Pull your credit reports and line up at least three offers before you apply from Sargeant. For the 64 people in Sargeant, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger city is Waltham, MN about 4 miles away.

Local context for Sargeant

Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.

How Sargeant compares across Minnesota

Within Minnesota, Sargeant holds roughly 0.0% of all residents, the 807th-largest share among 853 places. On the 2020-to-2023 trend, Sargeant stands 560th among Minnesota's 853 places — roughly the 34th percentile. Its roughly 80 residents per square mile place it 785th among Minnesota's places. The population moved by about 1 people between 2020 and 2023, a 1.5% shift.

What to do before borrowing in Sargeant

These steps shape the offer you get in Sargeant, a place of about 64 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Minnesota licence with the regulator listed on this page.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Keep the amount to the expense; an approval is not a reason to take more.

In Sargeant as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 64 residents.

Getting a loan in Sargeant

At roughly 80 people per square mile, Sargeant is sparsely settled; 111 larger places lie within 50 miles. Whether Sargeant has a local branch or not, a Minnesota-licensed lender can serve its 64 people online on the same terms. The nearest larger city, Waltham, MN about 4 miles away.

Land, water and location for Sargeant

Sargeant covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 80 residents per square mile. The largest place in Minnesota, Minneapolis, lies about 83 miles away. Counting outward 50 miles, 111 larger communities surround Sargeant. The 100-mile radius contains 526 larger places.

How Minnesota law applies in Sargeant

For the roughly 64 residents of Sargeant, the rules below are Minnesota's own; each row carries its publisher and retrieval date.

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

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