Personal loans in Brainerd, MN

Brainerd is home to roughly 14,563 people and stands 76th by size out of 853 Census places in Minnesota. The next larger city is Sartell, MN about 51 miles away. Population in Brainerd climbed about 1.1% over the three years from 2020 to 2023. Every figure below is Minnesota's own, applied to Brainerd's 14,563 residents, with the publisher and retrieval date attached. Compare APR, not the interest rate, because the APR folds in most fees on a Brainerd loan.

Brainerd by the numbers

Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.

• Population: 14,563 — Brainerd ranks 76th of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Growth of about 1.1% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a gain of about 160 residents.
• Size percentile: Brainerd's 14,563 people outrank roughly 91% of the places in Minnesota.
• Population density: about 1,201 people per square mile across 12.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Brainerd ranks 100th among Minnesota's 853 places, at 12.1 sq mi.
• Water: Brainerd holds about 0.69 square miles, the 114th-largest water area in Minnesota.
• Share of Minnesota: Brainerd holds about 0.3% of the state's population, some 14,563 people.
• National rank: Brainerd sits 2,407th by population among the 19,457 places in this dataset.
• Growth rank: Brainerd's 2020-to-2023 change ranks 234th of 853 places in Minnesota.
• Versus Minnesota: the state average change is +0.1%, while Brainerd moved 1.1%.
• Density rank: Brainerd places 200th among Minnesota's places by people per square mile.
• Density in context: Brainerd's 1,201 people per square mile sit against a Minnesota median of 607.
• Location: 46.3553, -94.1984 (US Census Bureau Gazetteer).
• Nearest larger cities: Sartell (51 mi); St. Cloud (57 mi); Alexandria (65 mi); Monticello (76 mi); Elk River (77 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Baxter (4 mi); East Gull Lake (8 mi); Riverton (10 mi).
• Smaller neighbours: 71 places smaller than Brainerd sit within 50 miles.
• Larger places within 100 miles: 27.

Minnesota consumer-lending rules applied in Brainerd

Minnesota has no separate rate rule for Brainerd; the sourced rows below are what reach every lender that serves its 14,563 people.

How lenders reach Brainerd

With about 1,201 residents per square mile, Brainerd is moderately settled, and 0 larger Census places sit within 50 miles. Distance to a branch rarely matters for Brainerd's 14,563 residents: the application is online and the price follows your credit file. The nearest bigger place is Sartell, MN about 51 miles away.

Land, water and location for Brainerd

Brainerd's land area is about 12.1 square miles; a further 0.69 square miles is water. The resulting density is about 1,201 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 106 miles away. A 50-mile radius around Brainerd takes in 0 places that are larger. By land area it ranks 100th of 853 Minnesota places.

Where Brainerd sits in Minnesota

Brainerd is the 76th-largest of 853 Census places in Minnesota and contains about 0.3% of the state's people. For population change between 2020 and 2023, Brainerd ranks 234th of 853 in Minnesota (about the 73th percentile). Its roughly 1,201 residents per square mile place it 200th among Minnesota's places. In land area, Brainerd ranks 100th among Minnesota's 853 places.

How a Brainerd personal loan is priced

With roughly 14,563 residents, Brainerd is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Brainerd's 14,563 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Brainerd loan raises the monthly payment but cuts the interest; lengthening it does the reverse.