Personal loans in Erhard, MN

Between the 2020 Census base and the 2023 estimate, Erhard's population barely changed. When Minnesota caps or restricts a product, lenders either change the terms or withdraw it from Erhard as from the rest of the state. Judge Erhard offers on total cost, not on how quickly the money arrives. The next larger city is Pelican Rapids, MN about 6 miles away.

The Erhard data picture

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

• Population: 131 — Erhard ranks 718th of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Held essentially flat from the 2020 Census base to the 2023 estimate.
• Size percentile: about 16% of Minnesota's Census places are smaller than Erhard.
• Population density: about 237 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Erhard covers 0.6 square miles, the 670th-largest area among Minnesota's 853 places.
• Water: Erhard holds about 0.01 square miles, the 364th-largest water area in Minnesota.
• Within Minnesota: about 0.0% of the state's population lives in Erhard.
• National rank: Erhard sits 17,577th by population among the 19,457 places in this dataset.
• Growth in Minnesota: Erhard stands 328th by percentage change from 2020 to 2023, among 853 places.
• Against the state trend: Erhard's 0.0% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: Erhard places 653rd among Minnesota's places by people per square mile.
• Density in context: Erhard's 237 people per square mile sit against a Minnesota median of 607.
• Location: 46.4817, -96.0962 (Census Gazetteer coordinates).
• Nearest larger cities: Pelican Rapids (6 mi); Elizabeth (7 mi); Rothsay (9 mi); Fergus Falls (14 mi); Underwood (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Foxhome (17 mi); Richville (22 mi); Clitherall (26 mi).
• Smaller places within 50 miles: 22 of them.
• Larger places within 100 miles: 209.

Erhard's place among Minnesota's 853 places

Among Minnesota's 853 places, Erhard sits at 718th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Erhard ranks 328th of 853 in Minnesota (about the 62th percentile). Its roughly 237 residents per square mile place it 653rd among Minnesota's places. Within 50 miles sit 22 smaller Census places, alongside the 63 that are larger.

Where Erhard sits

Erhard's land area is about 0.6 square miles; a further 0.01 square miles is water. That land carries about 237 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 172 miles away. Counting outward 50 miles, 63 larger communities surround Erhard. Within the same 50 miles lie 22 smaller Census places.

What Minnesota law requires in Erhard

These are Minnesota's sourced lending facts as they reach Erhard's 131 residents; the state has no city-level rate rule.

What a Erhard borrower is actually offered

Most loans made to Erhard's 131 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Erhard lender to disclose the APR and finance charge before you sign. Shortening the term on a Erhard loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Steps to take before a Erhard loan

Complete these steps first when you borrow in Erhard (131 residents):

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
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. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Decide the purpose and how you will repay it before approaching any lender.

What differs between Erhard and the rest of Minnesota is not the process but the borrower's own file, among the 131 people here.