Personal loans in St. Martin, MN

Martin is one of 853 Census places in Minnesota; its 310 residents put it at 585th. The closest larger city is Richmond, MN about 8 miles away. Lenders active in St. Martin report to a Minnesota supervisor, identified in the sourced rows below. Begin with the payment, then weigh APR and total interest across the lenders that reach St. Martin's 310 residents.

St. Martin by the numbers

The figures below are St. Martin's own — Census population, land area and coordinates — followed by the Minnesota rules.

• Population: an estimated 310 residents, 585th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
• Population trend: About level with the 2020 Census.
• Size percentile: roughly 31% of Minnesota places rank below St. Martin.
• Density: roughly 355 residents per square mile, spread over 0.9 sq mi of land.
• By land area: St. Martin ranks 567th among Minnesota's 853 places, at 0.9 sq mi.
• Within Minnesota: about 0.0% of the state's population lives in St. Martin.
• National rank: St. Martin sits 15,016th by population among the 19,457 places in this dataset.
• Growth in Minnesota: St. Martin stands 318th by percentage change from 2020 to 2023, among 853 places.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against St. Martin's 0.0%.
• Density in Minnesota: St. Martin ranks 573rd by people per square mile.
• Density vs Minnesota: St. Martin's 355 people per square mile compare with a state median of 607.
• Location: it lies at 45.5028, -94.6677 in the Census Gazetteer.
• Nearest larger cities: Richmond (8 mi); Paynesville (9 mi); New Munich (10 mi); Albany (10 mi); Freeport (11 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Roscoe (5 mi); Lake Henry (7 mi); Spring Hill (8 mi) — useful context for the surrounding area.
• Smaller neighbours: 34 places smaller than St. Martin sit within 50 miles.
• Within 100 miles: 359 places are larger than St. Martin.

Before you apply in St. Martin

A sensible order of operations for a loan in St. Martin, home to about 310 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Look the lender up in the Minnesota regulator's licence records before you sign.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

The process is identical across Minnesota; what changes is your credit file, not the fact that St. Martin holds 310 people.

How a St. Martin personal loan is priced

In St. Martin, a small community of about 310, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than St. Martin's rank of 585th in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a St. Martin loan is knowable in advance — unlike a revolving card balance.

Where St. Martin sits

The Census Gazetteer records about 0.9 square miles of land within St. Martin, with no significant water area listed. The resulting density is about 355 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 78 miles away. A 50-mile radius around St. Martin takes in 76 places that are larger. Within the same 50 miles lie 34 smaller Census places.

Borrowing reach in St. Martin

St. Martin is a lightly settled community of about 310 people, with 76 larger places inside a 50-mile radius. Lenders licensed in Minnesota reach St. Martin's 310 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Richmond, MN about 8 miles away.

Minnesota rules behind a St. Martin personal loan

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