Personal loans in St. Francis, MN

Roughly 8,442 residents live in St. Francis, the 115th-largest community in Minnesota. The 2020 count to the 2023 estimate shows about 3.7% growth in St. Francis. Price two or three terms so you can see which payment is truly affordable in St. Francis. The nearest larger city is Oak Grove, MN about 5 miles away.

Where St. Francis stands

Most of what governs a St. Francis loan is written in Minnesota law rather than in the city; the sourced notes below make that split concrete.

• Population: 8,442 — St. Francis ranks 115th of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 3.7%.
• Absolute change: 303 residents added between 2020 and 2023.
• Size percentile: bigger than about 87% of the places in Minnesota, with 8,442 residents in St. Francis.
• Population density: 362 people per square mile on 23.3 square miles of land.
• Land area: St. Francis covers 23.3 square miles, the 63rd-largest area among Minnesota's 853 places.
• Water: St. Francis holds about 0.43 square miles, the 139th-largest water area in Minnesota.
• Share of state population: St. Francis's 8,442 residents are about 0.2% of Minnesota.
• Nationally: St. Francis is the 3,543rd-largest of 19,457 Census places in the dataset.
• Growth in Minnesota: St. Francis stands 92nd by percentage change from 2020 to 2023, among 853 places.
• Versus Minnesota: the state average change is +0.1%, while St. Francis moved 3.7%.
• Density rank: St. Francis is the 567th most densely settled place in Minnesota.
• Density vs Minnesota: St. Francis's 362 people per square mile compare with a state median of 607.
• Location: the Census Gazetteer records it at 45.3940, -93.3941.
• Nearest larger cities: Oak Grove (5 mi); East Bethel (9 mi); Elk River (9 mi); Ramsey (10 mi); Andover (10 mi). Larger metros often have more branches, but online lenders reach St. Francis on the same terms.
• Smaller communities within reach: Nowthen (4 mi); Bethel (6 mi); Isanti (10 mi).
• Smaller places within 50 miles: 127 of them.
• Within 100 miles: 100 places are larger than St. Francis.

St. Francis: area, density and distance

Inside St. Francis's boundaries lie roughly 23.3 square miles of land and 0.43 square miles of water. Spread across it are roughly 362 residents per square mile. The largest place in Minnesota, Minneapolis, lies about 30 miles away. A 50-mile radius around St. Francis takes in 80 places that are larger. The 100-mile radius contains 100 larger places.

Minnesota rules behind a St. Francis personal loan

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

How lenders reach St. Francis

St. Francis is a lightly settled community of about 8,442 people, with 80 larger places inside a 50-mile radius. A Minnesota licence lets a lender serve St. Francis without a local office, so branch density does not change what its 8,442 residents are offered. The nearest larger city, Oak Grove, MN about 5 miles away.

How a St. Francis personal loan is priced

St. Francis is a small town of about 8,442 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in St. Francis. A longer term lowers the monthly payment on a St. Francis loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for St. Francis borrowers

A sensible order of operations for a loan in St. Francis, home to about 8,442 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Make sure the lender appears in the Minnesota regulator's licence list.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is St. Francis-specific: the same Minnesota licensing and disclosure rules reach all 8,442 residents.