Personal loans in Upsala, MN

Upsala is a small community in Minnesota, with an estimated 482 residents, and every licensed lender here follows the same state rulebook. With an estimated 482 residents, Upsala is the 503rd-largest of 853 places in Minnesota. The 2020 count to the 2023 estimate shows about 0.8% decline in Upsala. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Upsala loan. A larger market lies at Holdingford, MN about 7 miles away.

Upsala: population, trend and location

What follows is Upsala's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.

• Population: 482 — Upsala ranks 503rd of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 0.8%.
• Net change: roughly 4 fewer people than the 2020 Census counted.
• Size percentile: about 41% of Minnesota communities are smaller than Upsala (482 residents).
• Population density: 149 people per square mile on 3.2 square miles of land.
• Land area rank: Upsala's 3.2 square miles rank 235th of 853 places in Minnesota.
• State share: roughly 0.0% of Minnesota's residents live in Upsala (482 people).
• National rank: Upsala is 13,321st of 19,457 places nationwide.
• Growth rank: Upsala's 2020-to-2023 change ranks 443rd of 853 places in Minnesota.
• Against the state trend: Upsala's 0.8% change compares with a Minnesota average of +0.1% across its 853 places.
• Density in Minnesota: Upsala ranks 724th by people per square mile.
• Density in context: Upsala's 149 people per square mile sit against a Minnesota median of 607.
• Location: 45.8129, -94.5637 (Census Gazetteer coordinates).
• Nearest larger cities: Holdingford (7 mi); Freeport (12 mi); Albany (13 mi); Royalton (13 mi); Melrose (15 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Elmdale (4 mi); Burtrum (7 mi); Bowlus (8 mi).
• Within a 50-mile radius: 44 smaller Census places.
• Larger places within 100 miles: 289.

What Minnesota law requires in Upsala

This table holds the Minnesota rate and licensing rules for consumer loans made to Upsala's 482 residents.

How personal loans work in Upsala

Most loans made to Upsala's 482 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Upsala can be quoted different APRs on the same amount and term. The term you choose in Upsala decides the split between a comfortable payment and the total interest you pay.

Upsala's place among Minnesota's 853 places

Set beside Minnesota's 853 places, Upsala ranks 503rd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 443rd of 853 Minnesota places, putting it near the 48th percentile for growth. By density, at about 149 people per square mile, it ranks 724th in Minnesota. The population moved by about 4 people between 2020 and 2023, a 0.8% shift.

The geography behind Upsala

Upsala's land area is roughly 3.2 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 149 people per square mile. The largest place in Minnesota, Minneapolis, lies about 86 miles away. A 50-mile radius around Upsala takes in 62 places that are larger. Within the same 50 miles lie 44 smaller Census places.

A practical checklist for Upsala borrowers

Before you hand your details to a lender in Upsala, where the population is near 482:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Minnesota licence with the regulator listed on this page.
5. Test the payment against your current bills before you commit.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

The process is identical across Minnesota; what changes is your credit file, not the fact that Upsala holds 482 people.