Personal loans in Duluth, MN

Verify the lender's Minnesota licence against the regulator named below before borrowing in Duluth. Rate ceilings, licensing requirements and product limits for Duluth are all set at the Minnesota level. Population in Duluth climbed about 1.1% over the three years from 2020 to 2023. The nearest larger city to Duluth is more than 120 miles away.

Duluth: the sourced local profile

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

• Population: about 87,680 people live here, which puts Duluth 4th of 853 Census places in Minnesota (Vintage 2023).
• Population trend: Up about 1.1% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 959 more since the 2020 base.
• Size percentile: bigger than about 100% of the places in Minnesota, with 87,680 residents in Duluth.
• Land and density: 71.7 square miles of land carry roughly 1,224 residents per square mile.
• Land area: Duluth covers 71.7 square miles, the 3rd-largest area among Minnesota's 853 places.
• Water area: Duluth has 8.51 square miles of water, ranking 2nd of 853 places in Minnesota.
• State share: roughly 1.8% of Minnesota's residents live in Duluth (87,680 people).
• National rank: Duluth is 391st of 19,457 places nationwide.
• Growth rank: Duluth's 2020-to-2023 change ranks 236th of 853 places in Minnesota.
• Versus Minnesota: the state average change is +0.1%, while Duluth moved 1.1%.
• Density rank: Duluth places 194th among Minnesota's places by people per square mile.
• Density in context: Duluth's 1,224 people per square mile sit against a Minnesota median of 607.
• Location: coordinates 46.7745, -92.1341 (US Census Bureau Gazetteer).
• Nearest smaller towns: Proctor (5 mi); Hermantown (5 mi); Superior (6 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 30 smaller Census places.
• Within 100 miles: 0 places are larger than Duluth.

What is available to Duluth borrowers

Duluth is a moderately settled community of about 87,680 people, with 0 larger places inside a 50-mile radius. Lenders licensed in Minnesota reach Duluth's 87,680 residents online, so the nearest branch is not what sets your APR.

What to do before borrowing in Duluth

For Duluth's roughly 87,680 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Minnesota regulator's records to confirm the lender is licensed here.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Duluth-specific: the same Minnesota licensing and disclosure rules reach all 87,680 residents.

Minnesota consumer-lending rules applied in Duluth

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

How personal loans work in Duluth

With roughly 87,680 residents, Duluth is a mid-sized city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Duluth can be quoted different APRs on the same amount and term. Shortening the term on a Duluth loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Duluth in state context

Set beside Minnesota's 853 places, Duluth ranks 4th by population and holds about 1.8% of the state total. Its 2020-to-2023 change ranks 236th of 853 Minnesota places, putting it near the 72th percentile for growth. Its roughly 1,224 residents per square mile place it 194th among Minnesota's places. Between 2020 and 2023 the count changed by roughly 959 residents.