Personal loans in Vesta, MN
With an estimated 269 residents, Vesta is the 606th-largest of 853 places in Minnesota. From the 2020 Census base to the 2023 estimate, the population declined by about 2.2%. The roughly 269 people who live in Vesta borrow under Minnesota rules; city hall sets no personal-loan rate. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Vesta's 269 residents. Decide the purpose of the loan and your repayment plan before sharing any details with a Vesta lender. The closest larger place is Belview, MN about 8 miles away.
The Vesta data picture
Most of what governs a Vesta loan is written in Minnesota law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 269 residents, 606th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.2% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 6 residents.
- Size percentile: bigger than about 29% of the places in Minnesota, with 269 residents in Vesta.
- Population density: about 666 people per square mile (Census land area 0.4 sq mi).
- Land area rank: Vesta's 0.4 square miles rank 732nd of 853 places in Minnesota.
- Within Minnesota: about 0.0% of the state's population lives in Vesta.
- National rank: Vesta is the 15,510th most populous of the 19,457 Census places covered here.
- Growth rank: Vesta's 2020-to-2023 change ranks 645th of 853 places in Minnesota.
- State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Vesta's 2.2%.
- Density rank: Vesta places 397th among Minnesota's places by people per square mile.
- Density vs Minnesota: Vesta's 666 people per square mile compare with a state median of 607.
- Location: 44.5066, -95.4141 (US Census Bureau Gazetteer).
- Nearest larger cities: Belview (8 mi); Wabasso (11 mi); Wood Lake (12 mi); Cottonwood (15 mi); Redwood Falls (16 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Seaforth (4 mi); Lucan (7 mi); Echo (8 mi), each with its own Census population profile.
- Smaller places within 50 miles: 37 of them.
- At 100 miles: 298 larger Census places fall inside that radius.
How Minnesota law applies in Vesta
This table holds the Minnesota rate and licensing rules for consumer loans made to Vesta's 269 residents.
| 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 |
| 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 |
| Payday ability-to-repay requirement | Required for payday loans with an APR above 36% (Minn. Stat. § 47.603) Source says: "This section applies to all payday loans with an annual percentage rate that exceeds 36 percent." | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
Borrowing reach in Vesta
Vesta is a moderately settled community of about 269 people, with 61 larger places inside a 50-mile radius. What is available to Vesta's 269 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Belview, MN about 8 miles away.
Where Vesta sits
Inside Vesta's boundaries lie about 0.4 square miles of land, with no significant water area recorded. The resulting density is about 666 people per square mile. The largest place in Minnesota, Minneapolis, lies about 110 miles away. Vesta has 61 larger places within a 50-mile radius. Within the same 50 miles lie 37 smaller Census places.
Vesta in state context
Among Minnesota's 853 places, Vesta sits at 606th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 645th of 853 Minnesota places, putting it near the 24th percentile for growth. Its roughly 666 residents per square mile place it 397th among Minnesota's places. The population moved by about 6 people between 2020 and 2023, a 2.2% shift.
What shapes a Vesta personal loan
Most loans made to Vesta's 269 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Vesta loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Vesta decides the split between a comfortable payment and the total interest you pay.
Common questions
What are my options in Vesta if my credit is poor?
What loan size can I expect in Vesta?
Do I have to pledge anything to borrow in Vesta?
Does comparing loans in Vesta cost me credit score points?
Nearby places
- Seaforth, MN — population 83
- Lucan, MN — population 206
- Echo, MN — population 238
- Belview, MN — population 287
- Milroy, MN — population 252
- Wood Lake, MN — population 375
- Wabasso, MN — population 728
- Delhi, MN — population 45