Personal loans in Kinbrae, MN
The first question in Kinbrae is not the rate on offer but whether the payment fits; about 14 people live here under Minnesota lending law. Kinbrae is one of 853 Census places in Minnesota; its 14 residents put it at 852nd.
Kinbrae's population held flat through the 2020-to-2023 comparison. Compare APR, not the interest rate, because the APR folds in most fees on a Kinbrae loan. The next larger city is Dundee, MN about 2 miles away. Every figure below is Minnesota's own, applied to Kinbrae's 14 residents, with the publisher and retrieval date attached.
Kinbrae: the sourced local profile
What follows is Kinbrae's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.
- Population: the Census counts 14 residents in Kinbrae (Vintage 2023 subcounty estimate), the 852nd-largest figure among Minnesota's 853 places.
- Population trend: Roughly level with the 2020 Census base.
- Size percentile: with 14 residents, Kinbrae is larger than about 0% of Minnesota's Census places.
- Density: the Census land area of 0.9 sq mi holds about 16 people per square mile.
- By land area: Kinbrae ranks 568th among Minnesota's 853 places, at 0.9 sq mi.
- Water: Kinbrae holds about 0.14 square miles, the 222nd-largest water area in Minnesota.
- State share: roughly 0.0% of Minnesota's residents live in Kinbrae (14 people).
- National rank: Kinbrae is 19,395th of 19,457 places nationwide.
- Growth rank: Kinbrae ranks 356th among Minnesota's 853 places for the 2020-to-2023 change.
- Against the state trend: Kinbrae's 0.0% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: Kinbrae is the 850th most densely settled place in Minnesota.
- Against the state median: Kinbrae runs about 16 residents per square mile, where the Minnesota median is 607.
- Location: it lies at 43.8228, -95.4759 in the Census Gazetteer.
- Nearest larger cities: Dundee (2 mi); Fulda (7 mi); Heron Lake (8 mi); Brewster (9 mi); Okabena (10 mi). Lenders licensed in the state serve Kinbrae whether or not they keep a local branch.
- Nearest smaller towns: Albee (100 mi) — useful context for the surrounding area.
- Smaller neighbours: 0 places smaller than Kinbrae sit within 50 miles.
- Larger places within 100 miles: 418.
Minnesota consumer-lending rules applied in Kinbrae
These are Minnesota's sourced lending facts as they reach Kinbrae's 14 residents; the state has no city-level rate rule.
| 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 |
The geography behind Kinbrae
Kinbrae's land area is about 0.9 square miles; a further 0.14 square miles is water. Spread across it are roughly 16 residents per square mile. The state's population centre of gravity, Minneapolis, is roughly 134 miles away. Counting outward 50 miles, 112 larger communities surround Kinbrae. The 100-mile radius contains 418 larger places.
What to do before borrowing in Kinbrae
Before you hand your details to a lender in Kinbrae, where the population is near 14:
- Start with the credit file: order the reports, fix the errors, then apply.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Verify the lender's Minnesota licence with the regulator listed on this page.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Make sure the new payment leaves room in a budget you already keep.
In Kinbrae as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 14 residents.
Where Kinbrae sits in Minnesota
Kinbrae is the 852nd-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. For population change between 2020 and 2023, Kinbrae ranks 356th of 853 in Minnesota (about the 58th percentile). At about 16 people per square mile, Kinbrae is the 850th most densely settled place in Minnesota. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.
What is available to Kinbrae borrowers
At roughly 16 people per square mile, Kinbrae is sparsely settled; 112 larger places lie within 50 miles. Lenders licensed in Minnesota reach Kinbrae's 14 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Dundee, MN about 2 miles away.
Common questions
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Nearby places
- Dundee, MN — population 75
- Brewster, MN — population 495
- Fulda, MN — population 1,333
- Heron Lake, MN — population 591
- Okabena, MN — population 207
- Avoca, MN — population 108
- Westbrook, MN — population 734
- Worthington, MN — population 13,614