Personal loans in Golden Valley, MN

A lender serving Golden Valley holds a Minnesota licence and answers to a Minnesota regulator; no city office is involved for its 21,211 residents. Golden Valley shed about 6.0% of its population between the 2020 base and the 2023 estimate. Pull your credit reports and line up at least three offers before you apply from Golden Valley. Borrowers who want a bigger city can look to St. Louis Park, MN about 3 miles away.

Borrowing in Golden Valley: the local picture

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

• Population: about 21,211, ranked 56th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 6.0% since the 2020 count.
• People gained or lost: about 1,343 fewer since the 2020 base.
• Size percentile: roughly 93% of Minnesota places rank below Golden Valley.
• Population density: 2,079 people per square mile on 10.2 square miles of land.
• By land area: Golden Valley ranks 112th among Minnesota's 853 places, at 10.2 sq mi.
• Water area rank: Golden Valley ranks 153rd among Minnesota's 853 places, with 0.34 sq mi.
• Share of Minnesota: Golden Valley holds about 0.4% of the state's population, some 21,211 people.
• National rank: Golden Valley sits 1,790th by population among the 19,457 places in this dataset.
• Growth rank: Golden Valley's 2020-to-2023 change ranks 842nd of 853 places in Minnesota.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Golden Valley's 6.0%.
• Density in Minnesota: Golden Valley ranks 70th by people per square mile.
• Density vs Minnesota: Golden Valley's 2,079 people per square mile compare with a state median of 607.
• Location: coordinates 44.9902, -93.3587 (US Census Bureau Gazetteer).
• Nearest larger cities: St. Louis Park (3 mi); Crystal (3 mi); Minneapolis (5 mi); Plymouth (6 mi); Brooklyn Center (6 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Robbinsdale (3 mi); Medicine Lake (3 mi); New Hope (3 mi).
• Smaller neighbours: 166 places smaller than Golden Valley sit within 50 miles.
• Within 100 miles: 53 places are larger than Golden Valley.

The geography behind Golden Valley

Golden Valley covers about 10.2 square miles of land, with 0.34 square miles of water inside its boundaries (Census Gazetteer). That land carries about 2,079 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 5 miles away. Within 50 miles of Golden Valley there are 46 larger Census places. The 100-mile radius contains 53 larger places.

Where Golden Valley sits in Minnesota

Golden Valley is the 56th-largest of 853 Census places in Minnesota and contains about 0.4% of the state's people. For population change between 2020 and 2023, Golden Valley ranks 842nd of 853 in Minnesota (about the 1th percentile). At about 2,079 people per square mile, Golden Valley is the 70th most densely settled place in Minnesota. Within 50 miles sit 166 smaller Census places, alongside the 46 that are larger.

Lender access in Golden Valley

Golden Valley is fairly dense, with about 2,079 people per square mile and 46 larger places within 50 miles. A Minnesota licence lets a lender serve Golden Valley without a local office, so branch density does not change what its 21,211 residents are offered. The nearest bigger place is St. Louis Park, MN about 3 miles away.

What a Golden Valley borrower is actually offered

Golden Valley is a smaller city of about 21,211 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Golden Valley lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Golden Valley loan but raises total interest, so the smallest payment is not the cheapest loan.

How Minnesota law applies in Golden Valley

Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Golden Valley lender must follow.