Personal loans in Crookston, MN

The roughly 7,268 people who live in Crookston borrow under Minnesota rules; city hall sets no personal-loan rate. The 2020 count to the 2023 estimate shows about 2.9% decline in Crookston.

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.

About 7,268 people live in Crookston, placing it 126th of 853 Census places in Minnesota. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Crookston loan. To lend to Crookston's 7,268 residents, a company must hold a Minnesota licence, and each sourced row below names the regulator behind it. The closest larger place is East Grand Forks, MN about 22 miles away.

What the Census records for Crookston

Only a few things actually differ by place — population, area, location, and the Minnesota rules a lender must follow — and they are below.

Crookston against the rest of Minnesota

Against Minnesota's other places, Crookston accounts for about 0.2% of the state's population and ranks 126th of 853 by size. Its 2020-to-2023 change ranks 735th of 853 Minnesota places, putting it near the 14th percentile for growth. At about 1,421 people per square mile, Crookston is the 149th most densely settled place in Minnesota. In land area, Crookston ranks 165th among Minnesota's 853 places.

How personal loans work in Crookston

In Crookston, a small town of about 7,268, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Crookston. Because the payment is fixed, the total cost of a Crookston loan is knowable in advance — unlike a revolving card balance.

Minnesota consumer-lending rules applied in Crookston

When Minnesota does not publish a figure, the row links to the source instead of inventing a number; Crookston is bound by the same rules.

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
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
Small-loan / installment lender licensingRegulated loan license required from the commissioner for loans within the Chapter 56 threshold (Minn. Stat. § 56.01)
Source says: "without first obtaining a license from the commissioner, no person shall engage in the business of making loans of money"
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16

Crookston on the map

Crookston covers about 5.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,421 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 251 miles away. Counting outward 50 miles, 3 larger communities surround Crookston. Within the same 50 miles lie 57 smaller Census places.

Lender access in Crookston

Crookston is moderately settled, with about 1,421 people per square mile and 3 larger places within 50 miles. A Minnesota licence lets a lender serve Crookston without a local office, so branch density does not change what its 7,268 residents are offered. For a larger market, the closest option is East Grand Forks, MN about 22 miles away.

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