Personal loans in Sargeant, MN
A lender serving Sargeant holds a Minnesota licence and answers to a Minnesota regulator; no city office is involved for its 64 residents. Population in Sargeant dropped about 1.5% over the three years from 2020 to 2023.
Sargeant is home to roughly 64 people and stands 807th by size out of 853 Census places in Minnesota. Pull your credit reports and line up at least three offers before you apply from Sargeant. For the 64 people in Sargeant, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger city is Waltham, MN about 4 miles away.
Local context for Sargeant
Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.
- Population: 64 people, a figure that places Sargeant 807th among the 853 Census places in Minnesota (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.5% fewer residents than the 2020 Census counted.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: with 64 residents, Sargeant is larger than about 5% of Minnesota's Census places.
- Population density: about 80 people per square mile across 0.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Sargeant's 0.8 square miles rank 592nd of 853 places in Minnesota.
- Within Minnesota: about 0.0% of the state's population lives in Sargeant.
- National rank: Sargeant is 18,773rd of 19,457 places nationwide.
- Growth rank: Sargeant ranks 560th among Minnesota's 853 places for the 2020-to-2023 change.
- Against the state trend: Sargeant's 1.5% change compares with a Minnesota average of +0.1% across its 853 places.
- Density in Minnesota: Sargeant ranks 785th by people per square mile.
- Density in context: Sargeant's 80 people per square mile sit against a Minnesota median of 607.
- Location: coordinates 43.8061, -92.8002 (US Census Bureau Gazetteer).
- Nearest larger cities: Waltham (4 mi); Brownsdale (6 mi); Hayfield (6 mi); Dexter (8 mi); Elkton (11 mi). Living near a larger metro rarely changes what is available in Sargeant.
- Nearest smaller towns: Myrtle (25 mi); Manchester (33 mi); Colwell (46 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 3 smaller Census places.
- Within 100 miles: 526 places are larger than Sargeant.
How Sargeant compares across Minnesota
Within Minnesota, Sargeant holds roughly 0.0% of all residents, the 807th-largest share among 853 places. On the 2020-to-2023 trend, Sargeant stands 560th among Minnesota's 853 places — roughly the 34th percentile. Its roughly 80 residents per square mile place it 785th among Minnesota's places. The population moved by about 1 people between 2020 and 2023, a 1.5% shift.
What to do before borrowing in Sargeant
These steps shape the offer you get in Sargeant, a place of about 64 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Test your amount and term in the personal loan calculator first.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Minnesota licence with the regulator listed on this page.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
- Keep the amount to the expense; an approval is not a reason to take more.
In Sargeant as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 64 residents.
Getting a loan in Sargeant
At roughly 80 people per square mile, Sargeant is sparsely settled; 111 larger places lie within 50 miles. Whether Sargeant has a local branch or not, a Minnesota-licensed lender can serve its 64 people online on the same terms. The nearest larger city, Waltham, MN about 4 miles away.
Land, water and location for Sargeant
Sargeant covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 80 residents per square mile. The largest place in Minnesota, Minneapolis, lies about 83 miles away. Counting outward 50 miles, 111 larger communities surround Sargeant. The 100-mile radius contains 526 larger places.
How Minnesota law applies in Sargeant
For the roughly 64 residents of Sargeant, 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 |
| 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 |
Common questions
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Nearby places
- Waltham, MN — population 164
- Brownsdale, MN — population 631
- Hayfield, MN — population 1,356
- Dexter, MN — population 318
- Elkton, MN — population 132
- Rose Creek, MN — population 395
- Mapleview, MN — population 145
- Austin, MN — population 26,171