Personal loans in Alvarado, MN
By population, Alvarado sits at 546th in Minnesota, with an estimated 378 residents. Census figures put the 2020-to-2023 decrease in Alvarado at about 2.6%.
Alvarado counts about 378 people, and what is genuinely local about borrowing here is limited — Minnesota law does the governing. When Minnesota caps or restricts a product, lenders either change the terms or withdraw it from Alvarado as from the rest of the state. Judge Alvarado offers on total cost, not on how quickly the money arrives. The nearest larger metro is Warren, MN about 11 miles away.
Where Alvarado stands
Alvarado is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 378, ranked 546th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.6% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 10 residents.
- Size percentile: roughly 36% of Minnesota places rank below Alvarado.
- Land and density: 0.2 square miles of land carry roughly 1,809 residents per square mile.
- Land area rank: Alvarado's 0.2 square miles rank 822nd of 853 places in Minnesota.
- Share of Minnesota: Alvarado holds about 0.0% of the state's population, some 378 people.
- Nationally: Alvarado is the 14,299th-largest of 19,457 Census places in the dataset.
- Growth rank: Alvarado's 2020-to-2023 change ranks 693rd of 853 places in Minnesota.
- State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Alvarado's 2.6%.
- Density in Minnesota: Alvarado ranks 95th by people per square mile.
- Density in context: Alvarado's 1,809 people per square mile sit against a Minnesota median of 607.
- Location: 48.1929 / -96.9985, per the US Census Bureau Gazetteer.
- Nearest larger cities: Warren (11 mi); Argyle (13 mi); East Grand Forks (18 mi); Minto (19 mi); Stephen (19 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller towns nearby: Oslo (6 mi); Manvel (12 mi); Ardoch (16 mi).
- Smaller places within 50 miles: 36 of them.
- At 100 miles: 64 larger Census places fall inside that radius.
What a Alvarado borrower is actually offered
With roughly 378 residents, Alvarado is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Alvarado's 378 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Alvarado loan but raises total interest, so the smallest payment is not the cheapest loan.
Where Alvarado sits
Alvarado's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. With 378 residents, the land area yields roughly 1,809 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 285 miles. A 50-mile radius around Alvarado takes in 20 places that are larger. The 100-mile radius contains 64 larger places.
What is available to Alvarado borrowers
Alvarado is a moderately settled community of about 378 people, with 20 larger places inside a 50-mile radius. A Minnesota licence lets a lender serve Alvarado without a local office, so branch density does not change what its 378 residents are offered. The nearest larger city, Warren, MN about 11 miles away.
Alvarado in state context
Alvarado is the 546th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Alvarado stands 693rd among Minnesota's 853 places — roughly the 19th percentile. Its roughly 1,809 residents per square mile place it 95th among Minnesota's places. By land area, its 0.2 square miles rank 822nd of 853 places in Minnesota.
How Minnesota law applies in Alvarado
Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Alvarado lender must follow.
| 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 |
Common questions
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Nearby places
- Oslo, MN — population 238
- Manvel, ND — population 369
- Warren, MN — population 1,559
- Argyle, MN — population 534
- East Grand Forks, MN — population 8,929
- Stephen, MN — population 578
- Grand Forks, ND — population 58,921
- Ardoch, ND — population 33