Personal loans in Clear Lake, MN

Clear Lake: the sourced local profile

Clear Lake is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: the Census counts 668 residents in Clear Lake (Vintage 2023 subcounty estimate), the 432nd-largest figure among Minnesota's 853 places.
• Population trend: A rise of about 4.0% from 2020 to 2023.
• Absolute change: 26 residents added between 2020 and 2023.
• Size percentile: Clear Lake sits ahead of around 49% of Minnesota places, at 668 people.
• Population density: about 640 people per square mile across 1.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Clear Lake ranks 492nd among Minnesota's 853 places, at 1.0 sq mi.
• Water area: Clear Lake has 0.05 square miles of water, ranking 293rd of 853 places in Minnesota.
• Share of state population: Clear Lake's 668 residents are about 0.0% of Minnesota.
• National rank: Clear Lake sits 11,989th by population among the 19,457 places in this dataset.
• Growth in Minnesota: Clear Lake stands 86th by percentage change from 2020 to 2023, among 853 places.
• Against the state trend: Clear Lake's 4.0% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: Clear Lake is the 410th most densely settled place in Minnesota.
• Density vs Minnesota: Clear Lake's 640 people per square mile compare with a state median of 607.
• Location: latitude 45.4486, longitude -94.0014 (Census Gazetteer).
• Nearest larger cities: Clearwater (3 mi); Becker (7 mi); St. Augusta (9 mi); St. Cloud (10 mi); Sauk Rapids (12 mi). Larger metros often have more branches, but online lenders reach Clear Lake on the same terms.
• Smaller places nearby: South Haven (15 mi); Gilman (20 mi); Kingston (23 mi).
• Within a 50-mile radius: 44 smaller Census places.
• Within 100 miles: 312 places are larger than Clear Lake.

Land, water and location for Clear Lake

Clear Lake's land area is about 1.0 square miles; a further 0.05 square miles is water. That land carries about 640 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 49 miles. Clear Lake has 130 larger places within a 50-mile radius. By land area it ranks 492nd of 853 Minnesota places.

The state rulebook for Clear Lake

Minnesota has no separate rate rule for Clear Lake; the sourced rows below are what reach every lender that serves its 668 people.

How Clear Lake compares across Minnesota

Set beside Minnesota's 853 places, Clear Lake ranks 432nd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Clear Lake stands 86th among Minnesota's 853 places — roughly the 90th percentile. By density, at about 640 people per square mile, it ranks 410th in Minnesota. Between 2020 and 2023 the count changed by roughly 26 residents.

Getting a loan in Clear Lake

With about 640 residents per square mile, Clear Lake is moderately settled, and 130 larger Census places sit within 50 miles. A Minnesota licence lets a lender serve Clear Lake without a local office, so branch density does not change what its 668 residents are offered. The nearest bigger place is Clearwater, MN about 3 miles away.

Before you apply in Clear Lake

For Clear Lake's roughly 668 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Minnesota licence with the regulator named above before committing.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Clear Lake and the rest of Minnesota is not the process but the borrower's own file, among the 668 people here.