Personal loans in Centerville, MN

Centerville gained roughly 0.7% in population across the 2020-to-2023 comparison. For a community of about 3,927, the practical step is to compare APR across at least three lenders before committing. For the 3,927 people in Centerville, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Lino Lakes, MN about 3 miles away.

Borrowing in Centerville: the local picture

Most of what governs a Centerville loan is written in Minnesota law rather than in the city; the sourced notes below make that split concrete.

• Population: an estimated 3,927 residents, 182nd of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
• Population trend: A rise of about 0.7% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 29 residents.
• Size percentile: roughly 79% of Minnesota's places have fewer residents than Centerville's 3,927.
• Population density: about 1,848 people per square mile across 2.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Centerville ranks 315th among Minnesota's 853 places, at 2.1 sq mi.
• Water area rank: Centerville ranks 161st among Minnesota's 853 places, with 0.30 sq mi.
• State population share: Centerville accounts for about 0.1% of everyone in Minnesota.
• National rank: Centerville sits 5,493rd by population among the 19,457 places in this dataset.
• Growth rank: Centerville ranks 261st among Minnesota's 853 places for the 2020-to-2023 change.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Centerville's 0.7%.
• Density in Minnesota: Centerville ranks 89th by people per square mile.
• Density vs Minnesota: Centerville's 1,848 people per square mile compare with a state median of 607.
• Location: 45.1675, -93.0552 (US Census Bureau Gazetteer).
• Nearest larger cities: Lino Lakes (3 mi); Hugo (5 mi); Circle Pines (5 mi); North Oaks (5 mi); Columbus (7 mi). Online lenders reach Centerville no matter how far the nearest branch is.
• Nearest smaller towns: Lexington (6 mi); Dellwood (6 mi); Gem Lake (7 mi).
• Within a 50-mile radius: 90 smaller Census places.
• At 100 miles: 155 larger Census places fall inside that radius.

What to do before borrowing in Centerville

Before you apply in Centerville, a community of about 3,927, work through these steps:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Minnesota licence by checking the regulator named above.
5. Pick the shortest term whose payment you can comfortably afford.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Be clear on what the loan is for and how it gets repaid.

The process is identical across Minnesota; what changes is your credit file, not the fact that Centerville holds 3,927 people.

Getting a loan in Centerville

At roughly 1,848 people per square mile, Centerville is moderately settled; 120 larger places lie within 50 miles. Whether Centerville has a local branch or not, a Minnesota-licensed lender can serve its 3,927 people online on the same terms. The nearest larger city, Lino Lakes, MN about 3 miles away.

Centerville's place among Minnesota's 853 places

Among Minnesota's 853 places, Centerville sits at 182nd for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Centerville stands 261st among Minnesota's 853 places — roughly the 69th percentile. At about 1,848 people per square mile, Centerville is the 89th most densely settled place in Minnesota. The population moved by about 29 people between 2020 and 2023, a 0.7% shift.

Which Minnesota laws govern a loan in Centerville

The rows below set out what a licensed lender must follow in Minnesota, and so for Centerville's roughly 3,927 residents.

Centerville on the map

Centerville's land area is about 2.1 square miles; a further 0.30 square miles is water. That land carries about 1,848 people per square mile. The largest place in Minnesota, Minneapolis, lies about 18 miles away. A 50-mile radius around Centerville takes in 120 places that are larger. By land area it ranks 315th of 853 Minnesota places.