Personal loans in St. Hilaire, MN

Read the disclosure for an origination fee and any prepayment penalty before signing in St. Hilaire. With 258 residents, St. Hilaire outranks about 28% of the communities in Minnesota. When Minnesota caps or restricts a product, lenders either change the terms or withdraw it from St. Hilaire as from the rest of the state. The 2020 count to the 2023 estimate shows about 5.8% decline in St. Hilaire. The next larger city is Thief River Falls, MN about 7 miles away.

What the Census records for St. Hilaire

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

• Population: 258 residents; St. Hilaire is the 610th-largest of 853 places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 5.8%.
• Absolute change: 16 residents lost between 2020 and 2023.
• Size percentile: about 28% of Minnesota's Census places are smaller than St. Hilaire.
• Population density: about 330 people per square mile across 0.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: St. Hilaire's 0.8 square miles rank 600th of 853 places in Minnesota.
• Water area: St. Hilaire has 0.06 square miles of water, ranking 275th of 853 places in Minnesota.
• Within Minnesota: about 0.0% of the state's population lives in St. Hilaire.
• National rank: St. Hilaire sits 15,652nd by population among the 19,457 places in this dataset.
• Growth rank: St. Hilaire ranks 841st among Minnesota's 853 places for the 2020-to-2023 change.
• Versus Minnesota: the state average change is +0.1%, while St. Hilaire moved 5.8%.
• Density rank: St. Hilaire places 594th among Minnesota's places by people per square mile.
• Against the state median: St. Hilaire runs about 330 residents per square mile, where the Minnesota median is 607.
• Location: mapped by the US Census Bureau at 48.0132, -96.2136.
• Nearest larger cities: Thief River Falls (7 mi); Red Lake Falls (9 mi); Plummer (10 mi); Oklee (21 mi); Newfolden (24 mi). Larger metros often have more branches, but online lenders reach St. Hilaire on the same terms.
• Nearest smaller places: Brooks (17 mi); Viking (17 mi); Holt (19 mi).
• Within a 50-mile radius: 21 smaller Census places.
• At 100 miles: 92 larger Census places fall inside that radius.

The geography behind St. Hilaire

St. Hilaire covers about 0.8 square miles of land, with 0.06 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 330 residents per square mile. Minneapolis, the largest place in Minnesota, is about 253 miles from St. Hilaire. Within 50 miles of St. Hilaire there are 27 larger Census places. The 100-mile radius contains 92 larger places.

What Minnesota law requires in St. Hilaire

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

How a St. Hilaire personal loan is priced

Most loans made to St. Hilaire's 258 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a St. Hilaire loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a St. Hilaire loan but raises total interest, so the smallest payment is not the cheapest loan.

Before you apply in St. Hilaire

Before you apply in St. Hilaire, a community of about 258, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Minnesota licence with the regulator named above before committing.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Keep the amount to the expense; an approval is not a reason to take more.

The process is identical across Minnesota; what changes is your credit file, not the fact that St. Hilaire holds 258 people.

Borrowing reach in St. Hilaire

St. Hilaire is a lightly settled community of about 258 people, with 27 larger places inside a 50-mile radius. A Minnesota licence lets a lender serve St. Hilaire without a local office, so branch density does not change what its 258 residents are offered. For a larger market, the closest option is Thief River Falls, MN about 7 miles away.