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Personal loans in Kinbrae, MN

A personal loan in Kinbrae is an unsecured installment loan for consolidation or a planned expense, and what it costs follows your credit, income and debts. Census data place Kinbrae's population near 14, the 852nd-largest among Minnesota's 853 Census places. Lenders in Minnesota work under state rate caps and licensing rules, each listed with its publisher in the table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Kinbrae at a glance

  • Population: roughly 14 people; 852nd of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 14 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: no meaningful change since the 2020 count (US Census Bureau).
  • Rank among Minnesota places: 852nd out of 853 Census places (US Census Bureau).
  • Size percentile: it is larger than about 0% of the places in Minnesota (US Census Bureau).
  • Coordinates: 43.8228, -95.4759 (US Census Bureau Gazetteer).
  • Nearest larger cities: Dundee, MN (2 mi); Fulda, MN (7 mi); Heron Lake, MN (8 mi); Brewster, MN (9 mi); Okabena, MN (10 mi) (Census populations, approximate straight-line distance).
  • Nearest smaller places: Albee, SD (100 mi) (US Census Bureau estimates).

What a personal loan costs in Kinbrae

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.

A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Minnesota lending rules that apply in Kinbrae

The table carries the Minnesota rate and licensing rules that apply to consumer loans made in Kinbrae.

RuleDetailSource
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
Maximum legal interest rate (usury cap)6% per year legal rate of interest; a different rate may be contracted for in writing (Minn. Stat. § 334.01)
Source says: "The interest for any legal indebtedness shall be at the rate of $6 upon $100 for a year"
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16
Payday lending statusLegal 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 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
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

How to compare offers in Kinbrae

These steps are the ones that most affect the offer you receive in Kinbrae:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Minnesota using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Kinbrae?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Kinbrae are the same as elsewhere in Minnesota.
How much can I borrow with a personal loan in Kinbrae?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Kinbrae require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Kinbrae hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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