Personal loans in St. Leo, MN

A personal loan in St. Leo is priced from your credit file and income, not from the fact that the city holds 92 people. St. Leo ranks 766th of 853 places in Minnesota, with a population near 92.

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.

Census figures put the 2020-to-2023 decrease in St. Leo at about 1.1%. Decide the purpose of the loan and your repayment plan before sharing any details with a St. Leo lender. For a bigger market, look to Porter, MN about 8 miles away. Every figure below is Minnesota's own, applied to St. Leo's 92 residents, with the publisher and retrieval date attached.

Where St. Leo stands

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

Getting a loan in St. Leo

At roughly 364 people per square mile, St. Leo is lightly settled; 74 larger places lie within 50 miles. A Minnesota licence lets a lender serve St. Leo without a local office, so branch density does not change what its 92 residents are offered. The nearest larger city, Porter, MN about 8 miles away.

Which Minnesota laws govern a loan in St. Leo

These are Minnesota's sourced lending facts as they reach St. Leo's 92 residents; the state has no city-level rate rule.

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
Small-loan / installment lender licensingRegulated loan license required from the commissioner for loans within the Chapter 56 threshold (Minn. Stat. § 56.01)
Source says: "without first obtaining a license from the commissioner, no person shall engage in the business of making loans of money"
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16
Payday ability-to-repay requirementRequired for payday loans with an APR above 36% (Minn. Stat. § 47.603)
Source says: "This section applies to all payday loans with an annual percentage rate that exceeds 36 percent."
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16

Where St. Leo sits

Inside St. Leo's boundaries lie about 0.3 square miles of land, with no significant water area recorded. Spread across it are roughly 364 residents per square mile. For the state's biggest city, Minneapolis, the distance is roughly 137 miles. A 50-mile radius around St. Leo takes in 74 places that are larger. The 100-mile radius contains 294 larger places.

St. Leo's place among Minnesota's 853 places

Set beside Minnesota's 853 places, St. Leo ranks 766th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, St. Leo stands 483rd among Minnesota's 853 places — roughly the 43th percentile. Its roughly 364 residents per square mile place it 565th among Minnesota's places. By land area, its 0.3 square miles rank 801st of 853 places in Minnesota.

What shapes a St. Leo personal loan

With roughly 92 residents, St. Leo is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in St. Leo. The term you choose in St. Leo decides the split between a comfortable payment and the total interest you pay.

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. Leo 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. Leo is the same as anywhere in Minnesota.
What loan size can I expect in St. Leo?
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. Leo?
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. Leo 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.

Nearby places

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