Personal loans in Longville, MN
Personal loans in Longville are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 158 population. Roughly 158 residents live in Longville, the 693rd-largest community in Minnesota. For a bigger market, look to Remer, MN about 15 miles away. A 2020-to-2023 comparison shows Longville up by about 0.6%. State law, not city hall, decides what a lender may do to Longville's roughly 158 residents, and a state regulator supervises it. For a community of about 158, the practical step is to compare APR across at least three lenders before committing.
Where Longville stands
The figures below are Longville's own — Census population, land area and coordinates — followed by the Minnesota rules.
- Population: 158 — Longville ranks 693rd of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 0.6%.
- People gained or lost: about 1 more since the 2020 base.
- Size percentile: Longville's 158 people outrank roughly 19% of the places in Minnesota.
- Land and density: 0.9 square miles of land carry roughly 186 residents per square mile.
- By land area: Longville ranks 576th among Minnesota's 853 places, at 0.9 sq mi.
- Water: Longville holds about 0.03 square miles, the 328th-largest water area in Minnesota.
- State share: roughly 0.0% of Minnesota's residents live in Longville (158 people).
- Nationally: Longville is the 17,156th-largest of 19,457 Census places in the dataset.
- Growth rank: Longville ranks 271st among Minnesota's 853 places for the 2020-to-2023 change.
- Versus Minnesota: the state average change is +0.1%, while Longville moved 0.6%.
- Density rank: Longville places 690th among Minnesota's places by people per square mile.
- Against the state median: Longville runs about 186 residents per square mile, where the Minnesota median is 607.
- Location: latitude 46.9874, longitude -94.2120 (Census Gazetteer).
- Nearest larger cities: Remer (15 mi); Hackensack (15 mi); Fifty Lakes (16 mi); Backus (18 mi); Emily (19 mi). Lenders licensed in the state serve Longville whether or not they keep a local branch.
- Smaller places close by: Boy River (13 mi); Federal Dam (17 mi); Manhattan Beach (18 mi).
- Smaller neighbours: 12 places smaller than Longville sit within 50 miles.
- Within 100 miles: 172 places are larger than Longville.
Steps to take before a Longville loan
Before you apply in Longville, a community of about 158, work through these steps:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Minnesota licence with the regulator listed on this page.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
In Longville as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 158 residents.
Inside a Longville personal loan
Most loans made to Longville's 158 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Longville's rank of 693rd in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Longville decides the split between a comfortable payment and the total interest you pay.
Minnesota consumer-lending rules applied in Longville
Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Longville lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Minnesota Department of Commerce (commissioner of commerce) Source says: ""Commissioner" means the commissioner of commerce" | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 6% per year legal rate of interest; a different rate may be contracted for in writing (Minn. Stat. § 334.01) Source says: "The interest for any legal indebtedness shall be at the rate of $6 upon $100 for a year" | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
| Payday lending status | Legal and licensed; APR capped at 36%, or up to 50% with an ability-to-repay analysis (Minn. Stat. §§ 47.60, 47.601, 47.603) Source says: "The cap on that annual percentage rate is set at either 36%, or up to 50% if the lender conducts an ability to repay analysis" | Minnesota Department of Commerce as of 2026-09-16 |
How Longville compares across Minnesota
Within Minnesota, Longville holds roughly 0.0% of all residents, the 693rd-largest share among 853 places. For population change between 2020 and 2023, Longville ranks 271st of 853 in Minnesota (about the 68th percentile). By density, at about 186 people per square mile, it ranks 690th in Minnesota. By land area, its 0.9 square miles rank 576th of 853 places in Minnesota.
Longville: area, density and distance
Longville's land area is about 0.9 square miles; a further 0.03 square miles is water. That land carries about 186 people per square mile. Minneapolis, the largest place in Minnesota, is about 147 miles from Longville. Longville has 41 larger places within a 50-mile radius. By land area it ranks 576th of 853 Minnesota places.
Common questions
What are my options in Longville if my credit is poor?
What loan size can I expect in Longville?
Do I have to pledge anything to borrow in Longville?
Does comparing loans in Longville cost me credit score points?
Nearby places
- Boy River, MN — population 27
- Fifty Lakes, MN — population 454
- Federal Dam, MN — population 124
- Manhattan Beach, MN — population 65
- Chickamaw Beach, MN — population 132
- Remer, MN — population 398
- Hackensack, MN — population 300
- Emily, MN — population 863