Personal loans in South St. Paul, MN

Paul is larger than roughly 93% of the places in Minnesota. Pull your credit reports and line up at least three offers before you apply from South St. Paul. A lender that serves South St. Paul operates under Minnesota lending statutes and a Minnesota supervisor. The closest larger place is West St. Paul, MN about 2 miles away.

South St. Paul: population, trend and location

What follows is South St. Paul's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.

• Population: about 20,664 people live here, which puts South St. Paul 61st of 853 Census places in Minnesota (Vintage 2023).
• Population trend: About 0.4% below the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a loss of about 92 residents.
• Size percentile: about 93% of Minnesota communities are smaller than South St. Paul (20,664 residents).
• Density: the Census land area of 5.6 sq mi holds about 3,674 people per square mile.
• Land area rank: South St. Paul's 5.6 square miles rank 155th of 853 places in Minnesota.
• Water area rank: South St. Paul ranks 134th among Minnesota's 853 places, with 0.45 sq mi.
• Share of state population: South St. Paul's 20,664 residents are about 0.4% of Minnesota.
• National rank: South St. Paul is the 1,832nd most populous of the 19,457 Census places covered here.
• Growth rank: South St. Paul ranks 390th among Minnesota's 853 places for the 2020-to-2023 change.
• Versus Minnesota: the state average change is +0.1%, while South St. Paul moved 0.4%.
• Density rank: South St. Paul places 20th among Minnesota's places by people per square mile.
• Against the state median: South St. Paul runs about 3,674 residents per square mile, where the Minnesota median is 607.
• Location: 44.8880 / -93.0405, per the US Census Bureau Gazetteer.
• Nearest larger cities: West St. Paul (2 mi); Inver Grove Heights (4 mi); St. Paul (5 mi); Woodbury (6 mi); Eagan (8 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities within reach: Newport (2 mi); Sunfish Lake (3 mi); St. Paul Park (4 mi).
• Smaller places within 50 miles: 167 of them.
• Larger places within 100 miles: 59.

What Minnesota law requires in South St. Paul

These are Minnesota's sourced lending facts as they reach South St. Paul's 20,664 residents; the state has no city-level rate rule.

The geography behind South St. Paul

The Census Gazetteer records 5.6 square miles of land and 0.45 square miles of water within South St. Paul. Spread across it are roughly 3,674 residents per square mile. For the state's biggest city, Minneapolis, the distance is roughly 12 miles. South St. Paul has 51 larger places within a 50-mile radius. By land area it ranks 155th of 853 Minnesota places.

Lender access in South St. Paul

With about 3,674 residents per square mile, South St. Paul is fairly dense, and 51 larger Census places sit within 50 miles. Distance to a branch rarely matters for South St. Paul's 20,664 residents: the application is online and the price follows your credit file. The nearest larger city, West St. Paul, MN about 2 miles away.

Where South St. Paul sits in Minnesota

Among Minnesota's 853 places, South St. Paul sits at 61st for population, a share of roughly 0.4% of the state. For population change between 2020 and 2023, South St. Paul ranks 390th of 853 in Minnesota (about the 54th percentile). Its roughly 3,674 residents per square mile place it 20th among Minnesota's places. In land area, South St. Paul ranks 155th among Minnesota's 853 places.

What a South St. Paul borrower is actually offered

South St. Paul is a smaller city of about 20,664 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving South St. Paul's 20,664 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a South St. Paul loan but raises total interest, so the smallest payment is not the cheapest loan.