Personal loans in Sunburg, MN
Sunburg is a small community in Minnesota, with an estimated 93 residents, and every licensed lender here follows the same state rulebook. The trend for Sunburg between 2020 and 2023 is downward by roughly 3.1%. Sunburg is home to roughly 93 people and stands 762nd by size out of 853 Census places in Minnesota. For a community of about 93, the practical step is to compare APR across at least three lenders before committing. A single loan can carry different costs on either side of a state line, and Sunburg sits on the Minnesota side of that line. The closest larger place is Murdock, MN about 11 miles away.
Borrowing in Sunburg: the local picture
The figures below are Sunburg's own — Census population, land area and coordinates — followed by the Minnesota rules.
- Population: about 93 people live here, which puts Sunburg 762nd of 853 Census places in Minnesota (Vintage 2023).
- Population trend: About 3.1% below the 2020 Census base.
- Absolute change: 3 residents lost between 2020 and 2023.
- Size percentile: roughly 11% of Minnesota's places have fewer residents than Sunburg's 93.
- Population density: about 196 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Sunburg covers 0.5 square miles, the 707th-largest area among Minnesota's 853 places.
- Water area: Sunburg has 0.03 square miles of water, ranking 329th of 853 places in Minnesota.
- State share: roughly 0.0% of Minnesota's residents live in Sunburg (93 people).
- National rank: Sunburg is the 18,251st most populous of the 19,457 Census places covered here.
- Growth in Minnesota: Sunburg stands 755th by percentage change from 2020 to 2023, among 853 places.
- Versus Minnesota: the state average change is +0.1%, while Sunburg moved 3.1%.
- Density in Minnesota: Sunburg ranks 681st by people per square mile.
- Against the state median: Sunburg runs about 196 residents per square mile, where the Minnesota median is 607.
- Location: it lies at 45.3480, -95.2398 in the Census Gazetteer.
- Nearest larger cities: Murdock (11 mi); Kerkhoven (11 mi); Brooten (12 mi); De Graff (13 mi); Belgrade (14 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Sedan (16 mi); Regal (20 mi); Lake Henry (23 mi).
- Smaller neighbours: 14 places smaller than Sunburg sit within 50 miles.
- Larger places within 100 miles: 370.
Steps to take before a Sunburg loan
These steps shape the offer you get in Sunburg, a place of about 93 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Verify the lender's Minnesota licence with the regulator listed on this page.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
What differs between Sunburg and the rest of Minnesota is not the process but the borrower's own file, among the 93 people here.
Borrowing reach in Sunburg
At roughly 196 people per square mile, Sunburg is lightly settled; 89 larger places lie within 50 miles. A Minnesota licence lets a lender serve Sunburg without a local office, so branch density does not change what its 93 residents are offered. For a larger market, the closest option is Murdock, MN about 11 miles away.
Sunburg against the rest of Minnesota
Against Minnesota's other places, Sunburg accounts for about 0.0% of the state's population and ranks 762nd of 853 by size. Its 2020-to-2023 change ranks 755th of 853 Minnesota places, putting it near the 11th percentile for growth. Its roughly 196 residents per square mile place it 681st among Minnesota's places. In land area, Sunburg ranks 707th among Minnesota's 853 places.
Land, water and location for Sunburg
The Census Gazetteer records 0.5 square miles of land and 0.03 square miles of water within Sunburg. That land carries about 196 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 100 miles away. A 50-mile radius around Sunburg takes in 89 places that are larger. By land area it ranks 707th of 853 Minnesota places.
Minnesota rules behind a Sunburg personal loan
For the roughly 93 residents of Sunburg, 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 |
| Maximum legal interest rate (usury cap) | 6% per year legal rate of interest; a different rate may be contracted for in writing (Minn. Stat. § 334.01) Source says: "The interest for any legal indebtedness shall be at the rate of $6 upon $100 for a year" | 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 |
Common questions
What are my options in Sunburg if my credit is poor?
What loan size can I expect in Sunburg?
Do I have to pledge anything to borrow in Sunburg?
Does comparing loans in Sunburg cost me credit score points?
Nearby places
- Kerkhoven, MN — population 788
- Brooten, MN — population 641
- Murdock, MN — population 298
- Pennock, MN — population 475
- Sedan, MN — population 45
- De Graff, MN — population 110
- Belgrade, MN — population 735
- Willmar, MN — population 21,335