Personal loans in Bena, MN

Census figures put the 2020-to-2023 increase in Bena at about 4.9%. State law, not city hall, decides what a lender may do to Bena's roughly 151 residents, and a state regulator supervises it. Compare APR, not the interest rate, because the APR folds in most fees on a Bena loan. Borrowers who want a bigger city can look to Cass Lake, MN about 19 miles away.

Local context for Bena

Only a few things actually differ by place — population, area, location, and the Minnesota rules a lender must follow — and they are below.

• Population: 151 — Bena ranks 699th of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Roughly 4.9% more residents than the 2020 Census counted.
• Absolute change: 7 residents added between 2020 and 2023.
• Size percentile: Bena's 151 people outrank roughly 18% of the places in Minnesota.
• Density: the Census land area of 0.5 sq mi holds about 299 people per square mile.
• Land area rank: Bena's 0.5 square miles rank 691st of 853 places in Minnesota.
• State population share: Bena accounts for about 0.0% of everyone in Minnesota.
• National rank: Bena is the 17,270th most populous of the 19,457 Census places covered here.
• Growth rank: Bena's 2020-to-2023 change ranks 74th of 853 places in Minnesota.
• Versus Minnesota: the state average change is +0.1%, while Bena moved 4.9%.
• Density rank: Bena is the 615th most densely settled place in Minnesota.
• Density in context: Bena's 299 people per square mile sit against a Minnesota median of 607.
• Location: 47.3410, -94.2064 (Census Gazetteer coordinates).
• Nearest larger cities: Cass Lake (19 mi); Deer River (19 mi); Remer (24 mi); Longville (24 mi); Walker (25 mi). Living near a larger metro rarely changes what is available in Bena.
• Smaller communities close by: Federal Dam (7 mi); Boy River (13 mi); Squaw Lake (20 mi), each with its own Census population profile.
• Smaller places within 50 miles: 12 of them.
• At 100 miles: 136 larger Census places fall inside that radius.

The Bena borrowing checklist

Before you hand your details to a lender in Bena, where the population is near 151:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Minnesota regulator's records to confirm the lender is licensed here.
5. Test the payment against your current bills before you commit.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Bena-specific: the same Minnesota licensing and disclosure rules reach all 151 residents.

The Minnesota lending rules that reach Bena

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

Bena in state context

Against Minnesota's other places, Bena accounts for about 0.0% of the state's population and ranks 699th of 853 by size. Its 2020-to-2023 change ranks 74th of 853 Minnesota places, putting it near the 91th percentile for growth. By density, at about 299 people per square mile, it ranks 615th in Minnesota. In land area, Bena ranks 691st among Minnesota's 853 places.

How personal loans work in Bena

In Bena, a small community of about 151, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Bena loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Bena loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What is available to Bena borrowers

Bena is lightly settled, with about 299 people per square mile and 33 larger places within 50 miles. Whether Bena has a local branch or not, a Minnesota-licensed lender can serve its 151 people online on the same terms. The nearest larger city, Cass Lake, MN about 19 miles away.