Personal loans in Graceville, MN

Two households in Graceville with comparable incomes can still be offered different rates; the city's 520 residents are not the reason. A 2020-to-2023 comparison shows Graceville down by about 1.1%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Graceville's 520 residents are no exception. The nearest larger city is Wheaton, MN about 17 miles away.

Where Graceville stands

Only a few things actually differ by place — population, area, location, and the Minnesota rules a lender must follow — and they are below.

• Population: 520 — Graceville ranks 481st of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Down about 1.1% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 6 fewer since the 2020 base.
• Size percentile: Graceville sits ahead of around 44% of Minnesota places, at 520 people.
• Population density: about 898 people per square mile (Census land area 0.6 sq mi).
• By land area: Graceville ranks 658th among Minnesota's 853 places, at 0.6 sq mi.
• Share of Minnesota: Graceville holds about 0.0% of the state's population, some 520 people.
• National rank: Graceville sits 13,000th by population among the 19,457 places in this dataset.
• Growth in Minnesota: Graceville stands 492nd by percentage change from 2020 to 2023, among 853 places.
• Against the state trend: Graceville's 1.1% change compares with a Minnesota average of +0.1% across its 853 places.
• Density in Minnesota: Graceville ranks 312th by people per square mile.
• Density in context: Graceville's 898 people per square mile sit against a Minnesota median of 607.
• Location: 45.5687, -96.4372 (US Census Bureau Gazetteer).
• Nearest larger cities: Wheaton (17 mi); Ortonville (18 mi); Morris (26 mi); Milbank (26 mi); Sisseton (30 mi). Lenders licensed in the state serve Graceville whether or not they keep a local branch.
• Nearest smaller towns: Barry (6 mi); Johnson (7 mi); Clinton (7 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 63 smaller Census places.
• At 100 miles: 119 larger Census places fall inside that radius.

Graceville's place among Minnesota's 853 places

Among Minnesota's 853 places, Graceville sits at 481st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Graceville ranks 492nd of 853 in Minnesota (about the 42th percentile). At about 898 people per square mile, Graceville is the 312th most densely settled place in Minnesota. By land area, its 0.6 square miles rank 658th of 853 places in Minnesota.

Minnesota consumer-lending rules applied in Graceville

Below are the Minnesota rules that apply to a loan made in Graceville, each with the regulator that issued it.

Graceville: area, density and distance

Graceville covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 520 residents, the land area yields roughly 898 people per square mile. Minneapolis, the largest place in Minnesota, is about 160 miles from Graceville. Counting outward 50 miles, 18 larger communities surround Graceville. The 100-mile radius contains 119 larger places.

Lender access in Graceville

Graceville is moderately settled, with about 898 people per square mile and 18 larger places within 50 miles. Lenders licensed in Minnesota reach Graceville's 520 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Wheaton, MN about 17 miles away.

How a Graceville personal loan is priced

With roughly 520 residents, Graceville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Graceville's rank of 481st in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Graceville loan is knowable in advance — unlike a revolving card balance.