Personal loans in Cloquet, MN

The Census counts 12,570 people in Cloquet, the 91st-largest figure among Minnesota's 853 places. Use the calculator on this page to price an amount and term before you commit in Cloquet. Consumer lending that reaches Cloquet's 12,570 residents is governed by Minnesota statute; no city ordinance changes it. The nearest larger city is Duluth, MN about 18 miles away.

Local context for Cloquet

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

• Population: 12,570 — Cloquet ranks 91st of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Stable from the 2020 base to 2023.
• Size percentile: roughly 89% of Minnesota's places have fewer residents than Cloquet's 12,570.
• Population density: about 357 people per square mile (Census land area 35.2 sq mi).
• Land area: Cloquet covers 35.2 square miles, the 17th-largest area among Minnesota's 853 places.
• Water area: Cloquet has 0.80 square miles of water, ranking 106th of 853 places in Minnesota.
• Share of state population: Cloquet's 12,570 residents are about 0.3% of Minnesota.
• Nationally: Cloquet is the 2,684th-largest of 19,457 Census places in the dataset.
• Growth rank: Cloquet ranks 313th among Minnesota's 853 places for the 2020-to-2023 change.
• Versus Minnesota: the state average change is +0.1%, while Cloquet moved 0.0%.
• Density in Minnesota: Cloquet ranks 571st by people per square mile.
• Against the state median: Cloquet runs about 357 residents per square mile, where the Minnesota median is 607.
• Location: mapped by the US Census Bureau at 46.7251, -92.5013.
• Nearest larger cities: Duluth (18 mi); Superior (20 mi); Hibbing (51 mi); Forest Lake (104 mi); Ham Lake (107 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities within reach: Scanlon (4 mi); Carlton (6 mi); Wrenshall (9 mi).
• Smaller places within 50 miles: 35 of them.
• Larger places within 100 miles: 4.

Lender access in Cloquet

Cloquet is lightly settled, with about 357 people per square mile and 2 larger places within 50 miles. Distance to a branch rarely matters for Cloquet's 12,570 residents: the application is online and the price follows your credit file. The nearest bigger place is Duluth, MN about 18 miles away.

Cloquet in state context

Against Minnesota's other places, Cloquet accounts for about 0.3% of the state's population and ranks 91st of 853 by size. Its 2020-to-2023 change ranks 313th of 853 Minnesota places, putting it near the 63th percentile for growth. Its roughly 357 residents per square mile place it 571st among Minnesota's places. Within 50 miles sit 35 smaller Census places, alongside the 2 that are larger.

What shapes a Cloquet personal loan

Cloquet is a small town of about 12,570 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 Cloquet's rank of 91st in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Cloquet loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Minnesota lending rules that reach Cloquet

For the roughly 12,570 residents of Cloquet, the rules below are Minnesota's own; each row carries its publisher and retrieval date.

Land, water and location for Cloquet

Inside Cloquet's boundaries lie roughly 35.2 square miles of land and 0.80 square miles of water. Spread across it are roughly 357 residents per square mile. The largest place in Minnesota, Minneapolis, lies about 127 miles away. A 50-mile radius around Cloquet takes in 2 places that are larger. By land area it ranks 17th of 853 Minnesota places.