Personal loans in Nisswa, MN
A personal loan in Nisswa is priced from your credit file and income, not from the fact that the city holds 2,122 people. Which products a lender may offer to Nisswa's 2,122 residents follows from the Minnesota consumer-lending framework.
With 2,122 residents, Nisswa outranks about 70% of the communities in Minnesota. Read the disclosure for an origination fee and any prepayment penalty before signing in Nisswa. The 2020 count to the 2023 estimate shows about 7.9% growth in Nisswa. The closest larger city is Pequot Lakes, MN about 6 miles away.
Nisswa by the numbers
Two layers matter for a Nisswa borrower: the local population picture and Minnesota's consumer-lending statutes.
- Population: the Census counts 2,122 residents in Nisswa (Vintage 2023 subcounty estimate), the 256th-largest figure among Minnesota's 853 places.
- Population trend: A rise of about 7.9% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 156 residents.
- Size percentile: roughly 70% of Minnesota's places have fewer residents than Nisswa's 2,122.
- Population density: about 197 people per square mile (Census land area 10.8 sq mi).
- By land area: Nisswa ranks 106th among Minnesota's 853 places, at 10.8 sq mi.
- Water: Nisswa holds about 7.59 square miles, the 5th-largest water area in Minnesota.
- Within Minnesota: about 0.0% of the state's population lives in Nisswa.
- National rank: Nisswa is the 7,423rd most populous of the 19,457 Census places covered here.
- Growth in Minnesota: Nisswa stands 34th by percentage change from 2020 to 2023, among 853 places.
- Against the state trend: Nisswa's 7.9% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: Nisswa is the 680th most densely settled place in Minnesota.
- Against the state median: Nisswa runs about 197 residents per square mile, where the Minnesota median is 607.
- Location: 46.5007 / -94.2978, per the US Census Bureau Gazetteer.
- Nearest larger cities: Pequot Lakes (6 mi); Breezy Point (9 mi); Baxter (11 mi); Brainerd (11 mi); Crosslake (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Lake Shore (3 mi); East Gull Lake (8 mi); Jenkins (10 mi) — useful context for the surrounding area.
- Smaller neighbours: 58 places smaller than Nisswa sit within 50 miles.
- At 100 miles: 75 larger Census places fall inside that radius.
Nisswa in state context
Nisswa is the 256th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Nisswa stands 34th among Minnesota's 853 places — roughly the 96th percentile. Its roughly 197 residents per square mile place it 680th among Minnesota's places. Between 2020 and 2023 the count changed by roughly 156 residents.
Where Nisswa sits
Inside Nisswa's boundaries lie roughly 10.8 square miles of land and 7.59 square miles of water. The resulting density is about 197 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 117 miles away. Nisswa has 12 larger places within a 50-mile radius. By land area it ranks 106th of 853 Minnesota places.
Borrowing reach in Nisswa
Nisswa is lightly settled, with about 197 people per square mile and 12 larger places within 50 miles. Whether Nisswa has a local branch or not, a Minnesota-licensed lender can serve its 2,122 people online on the same terms. The nearest bigger place is Pequot Lakes, MN about 6 miles away.
What Minnesota law requires in Nisswa
For the roughly 2,122 residents of Nisswa, the rules below are Minnesota's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Regulated loan license required from the commissioner for loans within the Chapter 56 threshold (Minn. Stat. § 56.01) Source says: "without first obtaining a license from the commissioner, no person shall engage in the business of making loans of money" | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
How a Nisswa personal loan is priced
Most loans made to Nisswa's 2,122 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Nisswa can be quoted different APRs on the same amount and term. The term you choose in Nisswa decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Nisswa if my credit is poor?
What loan size can I expect in Nisswa?
Do I have to pledge anything to borrow in Nisswa?
Does comparing loans in Nisswa cost me credit score points?
Nearby places
- Lake Shore, MN — population 1,121
- Pequot Lakes, MN — population 2,464
- East Gull Lake, MN — population 1,120
- Breezy Point, MN — population 2,754
- Jenkins, MN — population 499
- Baxter, MN — population 9,092
- Brainerd, MN — population 14,563
- Pine River, MN — population 930