Personal loans in Plummer, MN

Personal loans in Plummer are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 273 population. By population, Plummer sits at 601st in Minnesota, with an estimated 273 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.

For a bigger market, look to Oklee, MN about 10 miles away. The trend for Plummer between 2020 and 2023 is downward by roughly 0.4%. Consumer lending that reaches Plummer's 273 residents is governed by Minnesota statute; no city ordinance changes it. Compare APR, not the interest rate, because the APR folds in most fees on a Plummer loan.

Plummer: population, trend and location

The figures below are Plummer's own — Census population, land area and coordinates — followed by the Minnesota rules.

What a Plummer borrower is actually offered

With roughly 273 residents, Plummer is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Plummer. Because the payment is fixed, the total cost of a Plummer loan is knowable in advance — unlike a revolving card balance.

What is available to Plummer borrowers

At roughly 102 people per square mile, Plummer is lightly settled; 21 larger places lie within 50 miles. A Minnesota licence lets a lender serve Plummer without a local office, so branch density does not change what its 273 residents are offered. The nearest bigger place is Oklee, MN about 10 miles away.

What Minnesota law requires in Plummer

Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Plummer lender must follow.

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

Plummer in state context

Among Minnesota's 853 places, Plummer sits at 601st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Plummer stands 381st among Minnesota's 853 places — roughly the 55th percentile. At about 102 people per square mile, Plummer is the 762nd most densely settled place in Minnesota. Within 50 miles sit 22 smaller Census places, alongside the 21 that are larger.

Plummer on the map

Plummer covers about 2.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 102 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 243 miles away. A 50-mile radius around Plummer takes in 21 places that are larger. Within the same 50 miles lie 22 smaller Census places.

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

Nearby places

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