Personal loans in Oklee, MN
For a borrower among the roughly 411 residents of Oklee, a personal loan is a tool whose cost turns on the terms, not the address. About 411 people live in Oklee, placing it 527th of 853 Census places in Minnesota.
Population in Oklee dropped about 0.7% over the three years from 2020 to 2023. Consumer lending that reaches Oklee's 411 residents is governed by Minnesota statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Oklee. The next larger city is McIntosh, MN about 14 miles away.
Where Oklee stands
Oklee is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 411, ranked 527th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 0.7% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: with 411 residents, Oklee is larger than about 38% of Minnesota's Census places.
- Population density: about 548 people per square mile (Census land area 0.8 sq mi).
- Land area: Oklee covers 0.8 square miles, the 609th-largest area among Minnesota's 853 places.
- Share of state population: Oklee's 411 residents are about 0.0% of Minnesota.
- National rank: Oklee is the 13,991st most populous of the 19,457 Census places covered here.
- Growth rank: Oklee's 2020-to-2023 change ranks 421st of 853 places in Minnesota.
- Versus Minnesota: the state average change is +0.1%, while Oklee moved 0.7%.
- Density rank: Oklee places 454th among Minnesota's places by people per square mile.
- Against the state median: Oklee runs about 548 residents per square mile, where the Minnesota median is 607.
- Location: coordinates 47.8387, -95.8495 (US Census Bureau Gazetteer).
- Nearest larger cities: McIntosh (14 mi); Fosston (18 mi); Red Lake Falls (20 mi); Clearbrook (22 mi); Thief River Falls (24 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Brooks (7 mi); Trail (8 mi); Plummer (10 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 27 of them.
- Within 100 miles: 69 places are larger than Oklee.
What to do before borrowing in Oklee
Before you hand your details to a lender in Oklee, where the population is near 411:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Shop at least three lenders and judge them on APR and total cost.
- Check the Minnesota regulator's records to confirm the lender is licensed here.
- Test the payment against your current bills before you commit.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
What differs between Oklee and the rest of Minnesota is not the process but the borrower's own file, among the 411 people here.
Oklee: area, density and distance
Inside Oklee's boundaries lie about 0.8 square miles of land, with no significant water area recorded. Spread across it are roughly 548 residents per square mile. For the state's biggest city, Minneapolis, the distance is roughly 234 miles. A 50-mile radius around Oklee takes in 12 places that are larger. By land area it ranks 609th of 853 Minnesota places.
How lenders reach Oklee
Oklee is a moderately settled community of about 411 people, with 12 larger places inside a 50-mile radius. Distance to a branch rarely matters for Oklee's 411 residents: the application is online and the price follows your credit file. The nearest bigger place is McIntosh, MN about 14 miles away.
Oklee against the rest of Minnesota
Oklee is the 527th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Oklee stands 421st among Minnesota's 853 places — roughly the 51th percentile. Its roughly 548 residents per square mile place it 454th among Minnesota's places. Within 50 miles sit 27 smaller Census places, alongside the 12 that are larger.
What Minnesota law requires in Oklee
For the roughly 411 residents of Oklee, 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 |
Common questions
What are my options in Oklee if my credit is poor?
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Does comparing loans in Oklee cost me credit score points?
Nearby places
- Brooks, MN — population 117
- Trail, MN — population 38
- McIntosh, MN — population 584
- Plummer, MN — population 273
- Gully, MN — population 57
- Erskine, MN — population 388
- Fosston, MN — population 1,382
- Goodridge, MN — population 107