Personal loans in Maple Lake, MN
A lender serving Maple Lake holds a Minnesota licence and answers to a Minnesota regulator; no city office is involved for its 2,209 residents.
For a community of about 2,209, the practical step is to compare APR across at least three lenders before committing. At about 2,209 residents, Maple Lake is larger than roughly 71% of the places in Minnesota. A single loan can carry different costs on either side of a state line, and Maple Lake sits on the Minnesota side of that line. The 2020 count to the 2023 estimate shows about 2.2% growth in Maple Lake. The closest larger place is Annandale, MN about 6 miles away.
The Maple Lake data picture
Maple Lake is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 2,209 residents, 251st of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 2.2% from 2020 to 2023.
- People gained or lost: about 47 more since the 2020 base.
- Size percentile: Maple Lake's 2,209 people outrank roughly 71% of the places in Minnesota.
- Population density: about 1,000 people per square mile (Census land area 2.2 sq mi).
- Land area rank: Maple Lake's 2.2 square miles rank 308th of 853 places in Minnesota.
- Water: Maple Lake holds about 0.02 square miles, the 336th-largest water area in Minnesota.
- State population share: Maple Lake accounts for about 0.0% of everyone in Minnesota.
- Nationally: Maple Lake is the 7,269th-largest of 19,457 Census places in the dataset.
- Growth rank: Maple Lake ranks 165th among Minnesota's 853 places for the 2020-to-2023 change.
- Against the state trend: Maple Lake's 2.2% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: Maple Lake places 266th among Minnesota's places by people per square mile.
- Density vs Minnesota: Maple Lake's 1,000 people per square mile compare with a state median of 607.
- Location: coordinates 45.2326, -94.0095 (US Census Bureau Gazetteer).
- Nearest larger cities: Annandale (6 mi); Buffalo (8 mi); Monticello (12 mi); Becker (12 mi); Montrose (12 mi). Lenders licensed in the state serve Maple Lake whether or not they keep a local branch.
- Smaller places nearby: South Haven (11 mi); Waverly (12 mi); Clearwater (12 mi).
- Smaller places within 50 miles: 72 of them.
- At 100 miles: 205 larger Census places fall inside that radius.
How a Maple Lake personal loan is priced
Maple Lake is a small community of about 2,209 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Maple Lake can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Maple Lake loan but raises total interest, so the smallest payment is not the cheapest loan.
What Minnesota law requires in Maple Lake
Read the table as a lender's compliance picture for Maple Lake: the rule, the sourced figure, the publisher and the 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 |
| 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 |
| Payday ability-to-repay requirement | Required 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 |
How lenders reach Maple Lake
Maple Lake is moderately settled, with about 1,000 people per square mile and 115 larger places within 50 miles. Distance to a branch rarely matters for Maple Lake's 2,209 residents: the application is online and the price follows your credit file. The nearest larger city, Annandale, MN about 6 miles away.
Maple Lake on the map
Maple Lake covers about 2.2 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). With 2,209 residents, the land area yields roughly 1,000 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 41 miles. A 50-mile radius around Maple Lake takes in 115 places that are larger. The 100-mile radius contains 205 larger places.
How Maple Lake compares across Minnesota
Within Minnesota, Maple Lake holds roughly 0.0% of all residents, the 251st-largest share among 853 places. For population change between 2020 and 2023, Maple Lake ranks 165th of 853 in Minnesota (about the 81th percentile). By density, at about 1,000 people per square mile, it ranks 266th in Minnesota. The population moved by about 47 people between 2020 and 2023, a 2.2% shift.
Common questions
What are my options in Maple Lake if my credit is poor?
What loan size can I expect in Maple Lake?
Do I have to pledge anything to borrow in Maple Lake?
Does comparing loans in Maple Lake cost me credit score points?
Nearby places
- Annandale, MN — population 3,424
- Buffalo, MN — population 16,541
- Waverly, MN — population 2,121
- Clearwater, MN — population 2,106
- Howard Lake, MN — population 2,186
- Montrose, MN — population 3,906
- Becker, MN — population 5,074
- Clear Lake, MN — population 668