Personal loans in Kettle River, MN
Personal loans in Kettle River are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 174 population. About 174 people live in Kettle River, placing it 672nd of 853 Census places in Minnesota.
Kettle River gained roughly 3.0% in population across the 2020-to-2023 comparison. Lenders active in Kettle River report to a Minnesota supervisor, identified in the sourced rows below. Work out your debt-to-income ratio first; lenders weigh it heavily, and Kettle River's 174 residents are no exception. For a bigger market, look to Moose Lake, MN about 6 miles away.
Borrowing in Kettle River: the local picture
What follows is Kettle River's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.
- Population: the Census counts 174 residents in Kettle River (Vintage 2023 subcounty estimate), the 672nd-largest figure among Minnesota's 853 places.
- Population trend: Growth of about 3.0% across the 2020-to-2023 comparison.
- Net change: roughly 5 more people than the 2020 Census counted.
- Size percentile: bigger than about 21% of the places in Minnesota, with 174 residents in Kettle River.
- Population density: 451 people per square mile on 0.4 square miles of land.
- Land area rank: Kettle River's 0.4 square miles rank 742nd of 853 places in Minnesota.
- State population share: Kettle River accounts for about 0.0% of everyone in Minnesota.
- National rank: Kettle River sits 16,884th by population among the 19,457 places in this dataset.
- Growth rank: Kettle River ranks 121st among Minnesota's 853 places for the 2020-to-2023 change.
- State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Kettle River's 3.0%.
- Density rank: Kettle River is the 513th most densely settled place in Minnesota.
- Density vs Minnesota: Kettle River's 451 people per square mile compare with a state median of 607.
- Location: 46.4862 / -92.8776, per the US Census Bureau Gazetteer.
- Nearest larger cities: Moose Lake (6 mi); Sturgeon Lake (7 mi); Barnum (9 mi); Willow River (11 mi); Cromwell (13 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Denham (9 mi); Wright (14 mi); Tamarack (16 mi), each with its own Census population profile.
- Smaller places within 50 miles: 13 of them.
- At 100 miles: 220 larger Census places fall inside that radius.
Land, water and location for Kettle River
The Census Gazetteer records about 0.4 square miles of land within Kettle River, with no significant water area listed. The resulting density is about 451 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 107 miles. Kettle River has 37 larger places within a 50-mile radius. The 100-mile radius contains 220 larger places.
What Minnesota law requires in Kettle River
For the roughly 174 residents of Kettle River, the rules below are Minnesota's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Minnesota 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 status | Legal 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 licensing | Regulated 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 |
A pre-application checklist for Kettle River
For Kettle River's roughly 174 residents, these are the steps that most influence the offer:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Minnesota licence with the regulator named above before committing.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Check that the monthly payment fits your budget next to your existing obligations.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
The process is identical across Minnesota; what changes is your credit file, not the fact that Kettle River holds 174 people.
Lender access in Kettle River
Kettle River is lightly settled, with about 451 people per square mile and 37 larger places within 50 miles. What is available to Kettle River's 174 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Moose Lake, MN about 6 miles away.
Kettle River against the rest of Minnesota
Among Minnesota's 853 places, Kettle River sits at 672nd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Kettle River stands 121st among Minnesota's 853 places — roughly the 86th percentile. By density, at about 451 people per square mile, it ranks 513th in Minnesota. Between 2020 and 2023 the count changed by roughly 5 residents.
Common questions
What are my options in Kettle River if my credit is poor?
What loan size can I expect in Kettle River?
Do I have to pledge anything to borrow in Kettle River?
Does comparing loans in Kettle River cost me credit score points?
Nearby places
- Sturgeon Lake, MN — population 462
- Moose Lake, MN — population 3,004
- Denham, MN — population 38
- Willow River, MN — population 395
- Barnum, MN — population 605
- Cromwell, MN — population 246
- Wright, MN — population 169
- Rutledge, MN — population 217