Personal loans in Bemidji, MN

Rate-shopping from Bemidji costs nothing at pre-qualification, where a soft pull leaves your credit file alone. At about 15,743 residents, Bemidji is larger than roughly 92% of the places in Minnesota. Rate ceilings, licensing requirements and product limits for Bemidji are all set at the Minnesota level. Bemidji added about 2.0% to its population between the 2020 base and the 2023 estimate. The closest larger place is Hibbing, MN about 91 miles away.

Bemidji by the numbers

What follows is Bemidji's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.

• Population: about 15,743, ranked 72nd of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
• Population trend: Higher by roughly 2.0% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 313 residents.
• Size percentile: bigger than about 92% of the places in Minnesota, with 15,743 residents in Bemidji.
• Population density: about 903 people per square mile across 17.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Bemidji covers 17.4 square miles, the 77th-largest area among Minnesota's 853 places.
• Water: Bemidji holds about 4.89 square miles, the 14th-largest water area in Minnesota.
• State share: roughly 0.3% of Minnesota's residents live in Bemidji (15,743 people).
• National rank: Bemidji sits 2,284th by population among the 19,457 places in this dataset.
• Growth in Minnesota: Bemidji stands 170th by percentage change from 2020 to 2023, among 853 places.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Bemidji's 2.0%.
• Density in Minnesota: Bemidji ranks 311th by people per square mile.
• Against the state median: Bemidji runs about 903 residents per square mile, where the Minnesota median is 607.
• Location: the Census Gazetteer records it at 47.4870, -94.8827.
• Nearest larger cities: Hibbing (91 mi); Moorhead (97 mi); Fargo (101 mi); West Fargo (104 mi); Grand Forks (107 mi). Lenders licensed in the state serve Bemidji whether or not they keep a local branch.
• Nearest smaller towns: Wilton (6 mi); Turtle River (9 mi); Solway (12 mi).
• Smaller places within 50 miles: 32 of them.
• At 100 miles: 2 larger Census places fall inside that radius.

A practical checklist for Bemidji borrowers

Before you hand your details to a lender in Bemidji, where the population is near 15,743:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Minnesota licence with the regulator listed on this page.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Bemidji as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 15,743 residents.

Lender access in Bemidji

At roughly 903 people per square mile, Bemidji is moderately settled; 0 larger places lie within 50 miles. Distance to a branch rarely matters for Bemidji's 15,743 residents: the application is online and the price follows your credit file. The nearest larger city, Hibbing, MN about 91 miles away.

Bemidji: area, density and distance

Inside Bemidji's boundaries lie roughly 17.4 square miles of land and 4.89 square miles of water. That land carries about 903 people per square mile. Minneapolis, the largest place in Minnesota, is about 191 miles from Bemidji. Counting outward 50 miles, 0 larger communities surround Bemidji. The 100-mile radius contains 2 larger places.

Bemidji against the rest of Minnesota

Bemidji is the 72nd-largest of 853 Census places in Minnesota and contains about 0.3% of the state's people. On the 2020-to-2023 trend, Bemidji stands 170th among Minnesota's 853 places — roughly the 80th percentile. By density, at about 903 people per square mile, it ranks 311th in Minnesota. Within 50 miles sit 32 smaller Census places, alongside the 0 that are larger.

What Minnesota law requires in Bemidji

When Minnesota does not publish a figure, the row links to the source instead of inventing a number; Bemidji is bound by the same rules.