Personal loans in Richmond, MN

Local context for Richmond

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

• Population: 1,503 — Richmond ranks 297th of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 1.1%.
• Net change: roughly 16 more people than the 2020 Census counted.
• Size percentile: with 1,503 residents, Richmond is larger than about 65% of Minnesota's Census places.
• Population density: 1,261 people per square mile on 1.2 square miles of land.
• Land area: Richmond covers 1.2 square miles, the 456th-largest area among Minnesota's 853 places.
• Water area: Richmond has 0.02 square miles of water, ranking 352nd of 853 places in Minnesota.
• Share of state population: Richmond's 1,503 residents are about 0.0% of Minnesota.
• National rank: Richmond is 8,679th of 19,457 places nationwide.
• Growth rank: Richmond's 2020-to-2023 change ranks 237th of 853 places in Minnesota.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Richmond's 1.1%.
• Density rank: Richmond is the 187th most densely settled place in Minnesota.
• Density in context: Richmond's 1,261 people per square mile sit against a Minnesota median of 607.
• Location: it lies at 45.4545, -94.5136 in the Census Gazetteer.
• Nearest larger cities: Cold Spring (4 mi); Rockville (9 mi); Avon (11 mi); Paynesville (11 mi); Albany (12 mi). Larger metros often have more branches, but online lenders reach Richmond on the same terms.
• Nearest smaller places: Roscoe (6 mi); St. Martin (8 mi); Eden Valley (9 mi).
• Smaller places within 50 miles: 70 of them.
• At 100 miles: 222 larger Census places fall inside that radius.

Before you apply in Richmond

Before you apply in Richmond, a community of about 1,503, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Minnesota regulator's licence records before you sign.
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. Check that the monthly payment fits your budget next to your existing obligations.

In Richmond as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 1,503 residents.

Minnesota rules behind a Richmond personal loan

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

Richmond on the map

Richmond's land area is about 1.2 square miles; a further 0.02 square miles is water. With 1,503 residents, the land area yields roughly 1,261 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 69 miles. Richmond has 51 larger places within a 50-mile radius. Within the same 50 miles lie 70 smaller Census places.

Richmond's place among Minnesota's 853 places

Among Minnesota's 853 places, Richmond sits at 297th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 237th of 853 Minnesota places, putting it near the 72th percentile for growth. At about 1,261 people per square mile, Richmond is the 187th most densely settled place in Minnesota. By land area, its 1.2 square miles rank 456th of 853 places in Minnesota.

How lenders reach Richmond

Richmond is moderately settled, with about 1,261 people per square mile and 51 larger places within 50 miles. Distance to a branch rarely matters for Richmond's 1,503 residents: the application is online and the price follows your credit file. The nearest larger city, Cold Spring, MN about 4 miles away.