Personal loans in St. Paul Park, MN
Two households in St. Paul Park with comparable incomes can still be offered different rates; the city's 5,371 residents are not the reason. With an estimated 5,371 residents, St. Paul Park is the 142nd-largest of 853 places in Minnesota.
Price two or three terms so you can see which payment is truly affordable in St. Paul Park. Census figures put the 2020-to-2023 decrease in St. Paul Park at about 3.2%. To lend to St. Paul Park's 5,371 residents, a company must hold a Minnesota licence, and each sourced row below names the regulator behind it. The closest larger place is Inver Grove Heights, MN about 3 miles away.
St. Paul Park: population, trend and location
Here is the sourced Census picture for St. Paul Park, plus the Minnesota lending rules that apply to a loan taken out here.
- Population: 5,371 people, a figure that places St. Paul Park 142nd among the 853 Census places in Minnesota (US Census Bureau, Vintage 2023).
- Population trend: About 3.2% below the 2020 Census base.
- Absolute change: 175 residents lost between 2020 and 2023.
- Size percentile: about 83% of Minnesota communities are smaller than St. Paul Park (5,371 residents).
- Population density: about 1,792 people per square mile across 3.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: St. Paul Park covers 3.0 square miles, the 248th-largest area among Minnesota's 853 places.
- Water area rank: St. Paul Park ranks 122nd among Minnesota's 853 places, with 0.59 sq mi.
- Share of state population: St. Paul Park's 5,371 residents are about 0.1% of Minnesota.
- National rank: St. Paul Park is 4,625th of 19,457 places nationwide.
- Growth rank: St. Paul Park's 2020-to-2023 change ranks 758th of 853 places in Minnesota.
- Versus Minnesota: the state average change is +0.1%, while St. Paul Park moved 3.2%.
- Density rank: St. Paul Park places 98th among Minnesota's places by people per square mile.
- Density vs Minnesota: St. Paul Park's 1,792 people per square mile compare with a state median of 607.
- Location: the Census Gazetteer records it at 44.8357, -92.9941.
- Nearest larger cities: Inver Grove Heights (3 mi); Cottage Grove (4 mi); South St. Paul (4 mi); Woodbury (6 mi); West St. Paul (6 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Newport (3 mi); Sunfish Lake (5 mi); Landfall (8 mi) — useful context for the surrounding area.
- Smaller neighbours: 115 places smaller than St. Paul Park sit within 50 miles.
- At 100 miles: 128 larger Census places fall inside that radius.
What Minnesota law requires in St. Paul Park
For the roughly 5,371 residents of St. Paul Park, the rules below are Minnesota's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Minnesota 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 |
| Payday lending status | Legal 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 |
| Small-loan / installment lender licensing | Regulated 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 |
Lender access in St. Paul Park
St. Paul Park is moderately settled, with about 1,792 people per square mile and 98 larger places within 50 miles. What is available to St. Paul Park's 5,371 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Inver Grove Heights, MN about 3 miles away.
Before you apply in St. Paul Park
A sensible order of operations for a loan in St. Paul Park, home to about 5,371 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- Look the lender up in the Minnesota regulator's licence records before you sign.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
The process is identical across Minnesota; what changes is your credit file, not the fact that St. Paul Park holds 5,371 people.
St. Paul Park against the rest of Minnesota
Against Minnesota's other places, St. Paul Park accounts for about 0.1% of the state's population and ranks 142nd of 853 by size. On the 2020-to-2023 trend, St. Paul Park stands 758th among Minnesota's 853 places — roughly the 11th percentile. At about 1,792 people per square mile, St. Paul Park is the 98th most densely settled place in Minnesota. Within 50 miles sit 115 smaller Census places, alongside the 98 that are larger.
St. Paul Park on the map
St. Paul Park covers about 3.0 square miles of land, with 0.59 square miles of water inside its boundaries (Census Gazetteer). With 5,371 residents, the land area yields roughly 1,792 people per square mile. Minneapolis, the largest place in Minnesota, is about 16 miles from St. Paul Park. A 50-mile radius around St. Paul Park takes in 98 places that are larger. The 100-mile radius contains 128 larger places.
Common questions
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What loan size can I expect in St. Paul Park?
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Does comparing loans in St. Paul Park cost me credit score points?
Nearby places
- Newport, MN — population 5,321
- Inver Grove Heights, MN — population 36,114
- South St. Paul, MN — population 20,664
- Cottage Grove, MN — population 42,056
- Woodbury, MN — population 79,538
- Sunfish Lake, MN — population 515
- West St. Paul, MN — population 21,722
- Landfall, MN — population 840