Personal loans in Staples, MN

Staples is a small community in Minnesota, with an estimated 3,035 residents, and every licensed lender here follows the same state rulebook. The 2020 count to the 2023 estimate shows about 1.4% growth in Staples. Work out your debt-to-income ratio first; lenders weigh it heavily, and Staples's 3,035 residents are no exception. Borrowers who want a bigger city can look to Wadena, MN about 16 miles away.

The Staples data picture

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

• Population: an estimated 3,035 residents, 211th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
• Population trend: Up about 1.4% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 43 more since the 2020 base.
• Size percentile: about 75% of Minnesota communities are smaller than Staples (3,035 residents).
• Population density: 637 people per square mile on 4.8 square miles of land.
• Land area: Staples covers 4.8 square miles, the 172nd-largest area among Minnesota's 853 places.
• Share of state population: Staples's 3,035 residents are about 0.1% of Minnesota.
• National standing: Staples ranks 6,248th of 19,457 US places.
• Growth rank: Staples ranks 207th among Minnesota's 853 places for the 2020-to-2023 change.
• Versus Minnesota: the state average change is +0.1%, while Staples moved 1.4%.
• Density in Minnesota: Staples ranks 412th by people per square mile.
• Density in context: Staples's 637 people per square mile sit against a Minnesota median of 607.
• Location: 46.3722 / -94.8150, per the US Census Bureau Gazetteer.
• Nearest larger cities: Wadena (16 mi); Baxter (26 mi); Long Prairie (28 mi); Brainerd (29 mi); Little Falls (34 mi). Online lenders reach Staples no matter how far the nearest branch is.
• Smaller towns nearby: Aldrich (6 mi); Motley (9 mi); Verndale (10 mi).
• Smaller places within 50 miles: 80 of them.
• Larger places within 100 miles: 47.

How personal loans work in Staples

Staples is a small community of about 3,035 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Staples lender to disclose the APR and finance charge before you sign. Shortening the term on a Staples loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Staples compares across Minnesota

Within Minnesota, Staples holds roughly 0.1% of all residents, the 211th-largest share among 853 places. Its 2020-to-2023 change ranks 207th of 853 Minnesota places, putting it near the 76th percentile for growth. At about 637 people per square mile, Staples is the 412th most densely settled place in Minnesota. By land area, its 4.8 square miles rank 172nd of 853 places in Minnesota.

The geography behind Staples

Staples's land area is roughly 4.8 square miles, and the Gazetteer records no significant water area within it. With 3,035 residents, the land area yields roughly 637 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 123 miles. A 50-mile radius around Staples takes in 10 places that are larger. Within the same 50 miles lie 80 smaller Census places.

Lender access in Staples

Staples is moderately settled, with about 637 people per square mile and 10 larger places within 50 miles. What is available to Staples's 3,035 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Wadena, MN about 16 miles away.

The Minnesota lending rules that reach Staples

The rows below set out what a licensed lender must follow in Minnesota, and so for Staples's roughly 3,035 residents.