Personal loans in Fifty Lakes, MN

A personal loan in Fifty Lakes is priced from your credit file and income, not from the fact that the city holds 454 people. A lender that serves Fifty Lakes operates under Minnesota lending statutes and a Minnesota supervisor. Read the disclosure for an origination fee and any prepayment penalty before signing in Fifty Lakes. Borrowers who want a bigger city can look to Crosslake, MN about 6 miles away.

Borrowing in Fifty Lakes: the local picture

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

• Population: 454 people, a figure that places Fifty Lakes 514th among the 853 Census places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Up about 2.5% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a gain of about 11 residents.
• Size percentile: Fifty Lakes sits ahead of around 40% of Minnesota places, at 454 people.
• Density: the Census land area of 29.3 sq mi holds about 15 people per square mile.
• Land area: Fifty Lakes covers 29.3 square miles, the 44th-largest area among Minnesota's 853 places.
• Water area rank: Fifty Lakes ranks 16th among Minnesota's 853 places, with 4.25 sq mi.
• State share: roughly 0.0% of Minnesota's residents live in Fifty Lakes (454 people).
• National rank: Fifty Lakes is the 13,562nd most populous of the 19,457 Census places covered here.
• Growth rank: Fifty Lakes ranks 145th among Minnesota's 853 places for the 2020-to-2023 change.
• Against the state trend: Fifty Lakes's 2.5% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: Fifty Lakes is the 852nd most densely settled place in Minnesota.
• Density in context: Fifty Lakes's 15 people per square mile sit against a Minnesota median of 607.
• Location: coordinates 46.7655, -94.1178 (US Census Bureau Gazetteer).
• Nearest larger cities: Crosslake (6 mi); Emily (7 mi); Breezy Point (12 mi); Jenkins (13 mi); Pine River (14 mi). Living near a larger metro rarely changes what is available in Fifty Lakes.
• Smaller communities close by: Manhattan Beach (2 mi); Chickamaw Beach (12 mi); Longville (16 mi), each with its own Census population profile.
• Smaller neighbours: 25 places smaller than Fifty Lakes sit within 50 miles.
• Within 100 miles: 133 places are larger than Fifty Lakes.

How lenders reach Fifty Lakes

Fifty Lakes is sparsely settled, with about 15 people per square mile and 31 larger places within 50 miles. Distance to a branch rarely matters for Fifty Lakes's 454 residents: the application is online and the price follows your credit file. The nearest bigger place is Crosslake, MN about 6 miles away.

What a Fifty Lakes borrower is actually offered

Most loans made to Fifty Lakes's 454 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Fifty Lakes loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Fifty Lakes loan but raises total interest, so the smallest payment is not the cheapest loan.

Fifty Lakes in state context

Among Minnesota's 853 places, Fifty Lakes sits at 514th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Fifty Lakes stands 145th among Minnesota's 853 places — roughly the 83th percentile. By density, at about 15 people per square mile, it ranks 852nd in Minnesota. Within 50 miles sit 25 smaller Census places, alongside the 31 that are larger.

What to do before borrowing in Fifty Lakes

For Fifty Lakes's roughly 454 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Minnesota licence by checking the regulator named above.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Fifty Lakes-specific: the same Minnesota licensing and disclosure rules reach all 454 residents.

What Minnesota law requires in Fifty Lakes

These are Minnesota's sourced lending facts as they reach Fifty Lakes's 454 residents; the state has no city-level rate rule.