Personal loans in Turtle River, MN
Roughly 83 residents live in Turtle River, the 776th-largest community in Minnesota. The first question in Turtle River is not the rate on offer but whether the payment fits; about 83 people live here under Minnesota lending law.
Turtle River shed about 2.4% of its population between the 2020 base and the 2023 estimate. For a community of about 83, the practical step is to compare APR across at least three lenders before committing. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Turtle River's 83 residents. The nearest larger city is Tenstrike, MN about 6 miles away.
Turtle River: population, trend and location
Only a few things actually differ by place — population, area, location, and the Minnesota rules a lender must follow — and they are below.
- Population: an estimated 83 residents, 776th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: About 2.4% below the 2020 Census base.
- Absolute change: 2 residents lost between 2020 and 2023.
- Size percentile: Turtle River sits ahead of around 9% of Minnesota places, at 83 people.
- Population density: about 78 people per square mile across 1.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Turtle River covers 1.1 square miles, the 484th-largest area among Minnesota's 853 places.
- Share of Minnesota: Turtle River holds about 0.0% of the state's population, some 83 people.
- National rank: Turtle River sits 18,441st by population among the 19,457 places in this dataset.
- Growth in Minnesota: Turtle River stands 663rd by percentage change from 2020 to 2023, among 853 places.
- Versus Minnesota: the state average change is +0.1%, while Turtle River moved 2.4%.
- Density rank: Turtle River places 789th among Minnesota's places by people per square mile.
- Density vs Minnesota: Turtle River's 78 people per square mile compare with a state median of 607.
- Location: 47.5884, -94.7583 (Census Gazetteer coordinates).
- Nearest larger cities: Tenstrike (6 mi); Bemidji (9 mi); Wilton (13 mi); Blackduck (14 mi); Cass Lake (16 mi). Lenders licensed in the state serve Turtle River whether or not they keep a local branch.
- Smaller places nearby: Solway (18 mi); Funkley (21 mi); Leonard (24 mi).
- Smaller places within 50 miles: 8 of them.
- At 100 miles: 141 larger Census places fall inside that radius.
What shapes a Turtle River personal loan
Turtle River is a small community of about 83 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Turtle River's 83 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Turtle River loan is knowable in advance — unlike a revolving card balance.
Where Turtle River sits
Turtle River covers about 1.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 83 residents, the land area yields roughly 78 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 195 miles away. Counting outward 50 miles, 24 larger communities surround Turtle River. By land area it ranks 484th of 853 Minnesota places.
Lender access in Turtle River
Turtle River is sparsely settled, with about 78 people per square mile and 24 larger places within 50 miles. A Minnesota licence lets a lender serve Turtle River without a local office, so branch density does not change what its 83 residents are offered. For a larger market, the closest option is Tenstrike, MN about 6 miles away.
Which Minnesota laws govern a loan in Turtle River
For the roughly 83 residents of Turtle River, 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 |
Where Turtle River sits in Minnesota
Among Minnesota's 853 places, Turtle River sits at 776th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Turtle River stands 663rd among Minnesota's 853 places — roughly the 22th percentile. At about 78 people per square mile, Turtle River is the 789th most densely settled place in Minnesota. Within 50 miles sit 8 smaller Census places, alongside the 24 that are larger.
Common questions
What are my options in Turtle River if my credit is poor?
What loan size can I expect in Turtle River?
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Does comparing loans in Turtle River cost me credit score points?
Nearby places
- Tenstrike, MN — population 181
- Bemidji, MN — population 15,743
- Blackduck, MN — population 818
- Wilton, MN — population 266
- Cass Lake, MN — population 686
- Laporte, MN — population 141
- Solway, MN — population 73
- Funkley, MN — population 12