Personal loans in Holt, MN

Holt is a small community in Minnesota, with an estimated 88 residents, and every licensed lender here follows the same state rulebook. When Minnesota caps or restricts a product, lenders either change the terms or withdraw it from Holt as from the rest of the state. Begin with the payment, then weigh APR and total interest across the lenders that reach Holt's 88 residents. The next larger city is Newfolden, MN about 8 miles away.

The Holt data picture

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

• Population: about 88, ranked 768th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
• Population trend: About 2.2% below the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
• Size percentile: bigger than about 10% of the places in Minnesota, with 88 residents in Holt.
• Density: roughly 88 residents per square mile, spread over 1.0 sq mi of land.
• Land area rank: Holt's 1.0 square miles rank 522nd of 853 places in Minnesota.
• State population share: Holt accounts for about 0.0% of everyone in Minnesota.
• National rank: Holt sits 18,341st by population among the 19,457 places in this dataset.
• Growth in Minnesota: Holt stands 651st by percentage change from 2020 to 2023, among 853 places.
• Against the state trend: Holt's 2.2% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: Holt is the 775th most densely settled place in Minnesota.
• Against the state median: Holt runs about 88 residents per square mile, where the Minnesota median is 607.
• Location: 48.2929, -96.1945 (Census Gazetteer coordinates).
• Nearest larger cities: Newfolden (8 mi); Middle River (10 mi); Thief River Falls (13 mi); St. Hilaire (19 mi); Goodridge (21 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Viking (11 mi); Strandquist (18 mi); Strathcona (18 mi), each with its own Census population profile.
• Smaller places within 50 miles: 7 of them.
• Larger places within 100 miles: 112.

Inside a Holt personal loan

A Holt personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 88 residents. Federal Truth in Lending rules require a Holt lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Holt loan but raises total interest, so the smallest payment is not the cheapest loan.

Holt against the rest of Minnesota

Among Minnesota's 853 places, Holt sits at 768th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Holt stands 651st among Minnesota's 853 places — roughly the 24th percentile. By density, at about 88 people per square mile, it ranks 775th in Minnesota. Within 50 miles sit 7 smaller Census places, alongside the 33 that are larger.

Before you apply in Holt

These steps shape the offer you get in Holt, a place of about 88 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Minnesota licence with the regulator listed on this page.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

What differs between Holt and the rest of Minnesota is not the process but the borrower's own file, among the 88 people here.

Minnesota consumer-lending rules applied in Holt

For the roughly 88 residents of Holt, the rules below are Minnesota's own; each row carries its publisher and retrieval date.

Holt: area, density and distance

The Census Gazetteer records about 1.0 square miles of land within Holt, with no significant water area listed. The resulting density is about 88 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 269 miles. Counting outward 50 miles, 33 larger communities surround Holt. By land area it ranks 522nd of 853 Minnesota places.