Personal loans in Blackduck, MN

Blackduck shed about 3.0% of its population between the 2020 base and the 2023 estimate. Price two or three terms so you can see which payment is truly affordable in Blackduck. The closest larger city is Bemidji, MN about 23 miles away. Consumer lending that reaches Blackduck's 818 residents is governed by Minnesota statute; no city ordinance changes it.

The Blackduck data picture

The figures below are Blackduck's own — Census population, land area and coordinates — followed by the Minnesota rules.

• Population: 818 — Blackduck ranks 388th of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Down about 3.0% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a loss of about 25 residents.
• Size percentile: roughly 55% of Minnesota places rank below Blackduck.
• Population density: 352 people per square mile on 2.3 square miles of land.
• Land area: Blackduck covers 2.3 square miles, the 298th-largest area among Minnesota's 853 places.
• Water area: Blackduck has 0.02 square miles of water, ranking 340th of 853 places in Minnesota.
• State share: roughly 0.0% of Minnesota's residents live in Blackduck (818 people).
• Nationally: Blackduck is the 11,087th-largest of 19,457 Census places in the dataset.
• Growth rank: Blackduck ranks 741st among Minnesota's 853 places for the 2020-to-2023 change.
• Against the state trend: Blackduck's 3.0% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: Blackduck places 577th among Minnesota's places by people per square mile.
• Against the state median: Blackduck runs about 352 residents per square mile, where the Minnesota median is 607.
• Location: the Census Gazetteer records it at 47.7319, -94.5596.
• Nearest larger cities: Bemidji (23 mi); Bagley (42 mi); Walker (44 mi); Deer River (45 mi); Cohasset (54 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Funkley (7 mi); Tenstrike (8 mi); Turtle River (14 mi).
• Within a 50-mile radius: 23 smaller Census places.
• Within 100 miles: 46 places are larger than Blackduck.

A pre-application checklist for Blackduck

Before you apply in Blackduck, a community of about 818, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Look the lender up in the Minnesota regulator's licence records before you sign.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. 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 Blackduck holds 818 people.

The state rulebook for Blackduck

Read the table as a lender's compliance picture for Blackduck: the rule, the sourced figure, the publisher and the date.

How personal loans work in Blackduck

Blackduck is a small community of about 818 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Blackduck's rank of 388th in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Blackduck decides the split between a comfortable payment and the total interest you pay.

Where Blackduck sits

Blackduck's land area is about 2.3 square miles; a further 0.02 square miles is water. The resulting density is about 352 people per square mile. Minneapolis, the largest place in Minnesota, is about 201 miles from Blackduck. Blackduck has 4 larger places within a 50-mile radius. By land area it ranks 298th of 853 Minnesota places.

Where Blackduck sits in Minnesota

Blackduck is the 388th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. For population change between 2020 and 2023, Blackduck ranks 741st of 853 in Minnesota (about the 13th percentile). At about 352 people per square mile, Blackduck is the 577th most densely settled place in Minnesota. Within 50 miles sit 23 smaller Census places, alongside the 4 that are larger.