Personal loans in St. Augusta, MN

With roughly 3,678 residents, St. Augusta is a small community, and the lending rules its borrowers live under are written in Minnesota, not by the city. Every figure below is Minnesota's own, applied to St.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Augusta's 3,678 residents, with the publisher and retrieval date attached. With an estimated 3,678 residents, St. Augusta is the 191st-largest of 853 places in Minnesota. Read the disclosure for an origination fee and any prepayment penalty before signing in St. Augusta. A 2020-to-2023 comparison shows St. Augusta up by about 5.2%. A larger market lies at St. Cloud, MN about 5 miles away.

St. Augusta by the numbers

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

Lender access in St. Augusta

With about 124 residents per square mile, St. Augusta is lightly settled, and 57 larger Census places sit within 50 miles. A Minnesota licence lets a lender serve St. Augusta without a local office, so branch density does not change what its 3,678 residents are offered. The nearest larger city, St. Cloud, MN about 5 miles away.

How a St. Augusta personal loan is priced

With roughly 3,678 residents, St. Augusta is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in St. Augusta can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a St. Augusta loan is knowable in advance — unlike a revolving card balance.

St. Augusta in state context

Set beside Minnesota's 853 places, St. Augusta ranks 191st by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, St. Augusta stands 72nd among Minnesota's 853 places — roughly the 92th percentile. At about 124 people per square mile, St. Augusta is the 743rd most densely settled place in Minnesota. By land area, its 29.7 square miles rank 41st of 853 places in Minnesota.

The Minnesota lending rules that reach St. Augusta

When Minnesota does not publish a figure, the row links to the source instead of inventing a number; St. Augusta is bound by the same rules.

RuleDetailSource
State lending regulatorMinnesota 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 statusLegal 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

The geography behind St. Augusta

St. Augusta's land area is about 29.7 square miles; a further 0.15 square miles is water. With 3,678 residents, the land area yields roughly 124 people per square mile. The largest place in Minnesota, Minneapolis, lies about 56 miles away. St. Augusta has 57 larger places within a 50-mile radius. Within the same 50 miles lie 91 smaller Census places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in St. Augusta if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in St. Augusta is the same as anywhere in Minnesota.
What loan size can I expect in St. Augusta?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in St. Augusta?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in St. Augusta cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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