Personal loans in Denham, MN

Denham added about 5.6% to its population between the 2020 base and the 2023 estimate. Work out your debt-to-income ratio first; lenders weigh it heavily, and Denham's 38 residents are no exception. Consumer lending that reaches Denham's 38 residents is governed by Minnesota statute; no city ordinance changes it. The closest larger city is Willow River, MN about 6 miles away.

Local context for Denham

The figures below are Denham's own — Census population, land area and coordinates — followed by the Minnesota rules.

• Population: 38 people, a figure that places Denham 838th among the 853 Census places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 5.6% between 2020 and 2023.
• Net change: roughly 2 more people than the 2020 Census counted.
• Size percentile: about 2% of Minnesota communities are smaller than Denham (38 residents).
• Density: the Census land area of 1.3 sq mi holds about 29 people per square mile.
• By land area: Denham ranks 431st among Minnesota's 853 places, at 1.3 sq mi.
• Within Minnesota: about 0.0% of the state's population lives in Denham.
• National rank: Denham is the 19,131st most populous of the 19,457 Census places covered here.
• Growth rank: Denham's 2020-to-2023 change ranks 61st of 853 places in Minnesota.
• Versus Minnesota: the state average change is +0.1%, while Denham moved 5.6%.
• Density in Minnesota: Denham ranks 842nd by people per square mile.
• Against the state median: Denham runs about 29 residents per square mile, where the Minnesota median is 607.
• Location: the Census Gazetteer records it at 46.3617, -92.9415.
• Nearest larger cities: Willow River (6 mi); Sturgeon Lake (6 mi); Rutledge (8 mi); Kettle River (9 mi); Finlayson (10 mi). Larger metros often have more branches, but online lenders reach Denham on the same terms.
• Smaller communities within reach: Hillman (52 mi); Boy River (79 mi); Aldrich (95 mi).
• Within a 50-mile radius: 0 smaller Census places.
• Larger places within 100 miles: 310.

A practical checklist for Denham borrowers

A sensible order of operations for a loan in Denham, home to about 38 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Minnesota regulator's records to confirm the lender is licensed here.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Denham and the rest of Minnesota is not the process but the borrower's own file, among the 38 people here.

Denham against the rest of Minnesota

Denham is the 838th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 61st of 853 Minnesota places, putting it near the 93th percentile for growth. By density, at about 29 people per square mile, it ranks 842nd in Minnesota. In land area, Denham ranks 431st among Minnesota's 853 places.

Inside a Denham personal loan

A Denham personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 38 residents. A lender serving Denham's 38 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Denham loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Denham

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

Where Denham sits

Denham's land area is roughly 1.3 square miles, and the Gazetteer records no significant water area within it. That land carries about 29 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 98 miles away. Counting outward 50 miles, 52 larger communities surround Denham. Within the same 50 miles lie 0 smaller Census places.