Personal loans in Thief River Falls, MN
For a borrower among the roughly 8,821 residents of Thief River Falls, a personal loan is a tool whose cost turns on the terms, not the address. About 8,821 people live in Thief River Falls, placing it 112th of 853 Census places in Minnesota. From the 2020 Census base to the 2023 estimate, the population declined by about 0.5%. Price two or three terms so you can see which payment is truly affordable in Thief River Falls. The nearest larger city is East Grand Forks, MN about 41 miles away. For the 8,821 people in Thief River Falls, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.
What the Census records for Thief River Falls
Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.
- Population: about 8,821 people live here, which puts Thief River Falls 112th of 853 Census places in Minnesota (Vintage 2023).
- Population trend: A decline of about 0.5% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 42 residents.
- Size percentile: Thief River Falls sits ahead of around 87% of Minnesota places, at 8,821 people.
- Density: roughly 1,469 residents per square mile, spread over 6.0 sq mi of land.
- By land area: Thief River Falls ranks 149th among Minnesota's 853 places, at 6.0 sq mi.
- Water area rank: Thief River Falls ranks 202nd among Minnesota's 853 places, with 0.18 sq mi.
- Within Minnesota: about 0.2% of the state's population lives in Thief River Falls.
- Nationally: Thief River Falls is the 3,435th-largest of 19,457 Census places in the dataset.
- Growth rank: Thief River Falls ranks 392nd among Minnesota's 853 places for the 2020-to-2023 change.
- Versus Minnesota: the state average change is +0.1%, while Thief River Falls moved 0.5%.
- Density rank: Thief River Falls places 139th among Minnesota's places by people per square mile.
- Density in context: Thief River Falls's 1,469 people per square mile sit against a Minnesota median of 607.
- Location: mapped by the US Census Bureau at 48.1112, -96.1776.
- Nearest larger cities: East Grand Forks (41 mi); Grand Forks (44 mi); Bemidji (74 mi); Moorhead (90 mi); Fargo (91 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: St. Hilaire (7 mi); Holt (13 mi); Viking (13 mi).
- Smaller neighbours: 44 places smaller than Thief River Falls sit within 50 miles.
- Within 100 miles: 7 places are larger than Thief River Falls.
The Thief River Falls borrowing checklist
A sensible order of operations for a loan in Thief River Falls, home to about 8,821 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Line up several pre-qualified offers and let the APR decide.
- Check the Minnesota regulator's records to confirm the lender is licensed here.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
The process is identical across Minnesota; what changes is your credit file, not the fact that Thief River Falls holds 8,821 people.
What Minnesota law requires in Thief River Falls
For the roughly 8,821 residents of Thief River Falls, the rules below are Minnesota's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| 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 |
Thief River Falls against the rest of Minnesota
Against Minnesota's other places, Thief River Falls accounts for about 0.2% of the state's population and ranks 112th of 853 by size. For population change between 2020 and 2023, Thief River Falls ranks 392nd of 853 in Minnesota (about the 54th percentile). By density, at about 1,469 people per square mile, it ranks 139th in Minnesota. Between 2020 and 2023 the count changed by roughly 42 residents.
Getting a loan in Thief River Falls
Thief River Falls is a moderately settled community of about 8,821 people, with 2 larger places inside a 50-mile radius. Distance to a branch rarely matters for Thief River Falls's 8,821 residents: the application is online and the price follows your credit file. The nearest larger city, East Grand Forks, MN about 41 miles away.
Where Thief River Falls sits
Inside Thief River Falls's boundaries lie roughly 6.0 square miles of land and 0.18 square miles of water. With 8,821 residents, the land area yields roughly 1,469 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 258 miles away. A 50-mile radius around Thief River Falls takes in 2 places that are larger. By land area it ranks 149th of 853 Minnesota places.
Common questions
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Nearby places
- St. Hilaire, MN — population 258
- Holt, MN — population 88
- Plummer, MN — population 273
- Red Lake Falls, MN — population 1,336
- Viking, MN — population 79
- Newfolden, MN — population 345
- Middle River, MN — population 296
- Brooks, MN — population 117