Personal loans in Kent, MN

The trend for Kent between 2020 and 2023 is downward by roughly 3.0%. A lender serving Kent holds a Minnesota licence and answers to a Minnesota regulator; no city office is involved for its 64 residents.

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.

At about 64 residents, Kent is larger than roughly 6% of the places in Minnesota. The nearest larger metro is Abercrombie, ND about 2 miles away. A lender that serves Kent operates under Minnesota lending statutes and a Minnesota supervisor. Compare APR, not the interest rate, because the APR folds in most fees on a Kent loan.

The Kent data picture

Most of what governs a Kent loan is written in Minnesota law rather than in the city; the sourced notes below make that split concrete.

Kent: area, density and distance

The Census Gazetteer records about 0.2 square miles of land within Kent, with no significant water area listed. With 64 residents, the land area yields roughly 268 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 194 miles. A 50-mile radius around Kent takes in 69 places that are larger. Within the same 50 miles lie 11 smaller Census places.

Where Kent sits in Minnesota

Kent is the 806th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Kent stands 745th among Minnesota's 853 places — roughly the 13th percentile. By density, at about 268 people per square mile, it ranks 634th in Minnesota. Between 2020 and 2023 the count changed by roughly 2 residents.

Borrowing reach in Kent

Kent is lightly settled, with about 268 people per square mile and 69 larger places within 50 miles. What is available to Kent's 64 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Abercrombie, ND about 2 miles away.

How Minnesota law applies in Kent

Below are the Minnesota rules that apply to a loan made in Kent, each with the regulator that issued it.

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
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
Payday ability-to-repay requirementRequired 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

The anatomy of a Kent personal loan

With roughly 64 residents, Kent is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Kent lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Kent loan is knowable in advance — unlike a revolving card balance.

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