Personal loans in Bayport, MN
With roughly 3,788 residents, Bayport is a small community, and the lending rules its borrowers live under are written in Minnesota, not by the city. Census figures put the 2020-to-2023 decrease in Bayport at about 5.7%.
With 3,788 residents, Bayport outranks about 78% of the communities in Minnesota. For a community of about 3,788, the practical step is to compare APR across at least three lenders before committing. A lender that serves Bayport operates under Minnesota lending statutes and a Minnesota supervisor. The nearest larger metro is North Hudson, WI about 2 miles away.
Bayport: population, trend and location
What follows is Bayport's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.
- Population: about 3,788 people live here, which puts Bayport 186th of 853 Census places in Minnesota (Vintage 2023).
- Population trend: Down about 5.7% from the 2020 Census base to the 2023 estimate.
- Absolute change: 229 residents lost between 2020 and 2023.
- Size percentile: Bayport's 3,788 people outrank roughly 78% of the places in Minnesota.
- Density: roughly 2,186 residents per square mile, spread over 1.7 sq mi of land.
- Land area: Bayport covers 1.7 square miles, the 359th-largest area among Minnesota's 853 places.
- Water area: Bayport has 0.91 square miles of water, ranking 95th of 853 places in Minnesota.
- Within Minnesota: about 0.1% of the state's population lives in Bayport.
- National standing: Bayport ranks 5,593rd of 19,457 US places.
- Growth in Minnesota: Bayport stands 839th by percentage change from 2020 to 2023, among 853 places.
- Versus Minnesota: the state average change is +0.1%, while Bayport moved 5.7%.
- Density in Minnesota: Bayport ranks 59th by people per square mile.
- Against the state median: Bayport runs about 2,186 residents per square mile, where the Minnesota median is 607.
- Location: the Census Gazetteer records it at 45.0148, -92.7789.
- Nearest larger cities: North Hudson (2 mi); Oak Park Heights (2 mi); Stillwater (4 mi); Hudson (4 mi); Lake Elmo (7 mi). Online lenders reach Bayport no matter how far the nearest branch is.
- Smaller towns nearby: Lakeland (4 mi); Lakeland Shores (5 mi); Lake St. Croix Beach (6 mi).
- Within a 50-mile radius: 87 smaller Census places.
- Larger places within 100 miles: 163.
Where Bayport sits in Minnesota
Bayport is the 186th-largest of 853 Census places in Minnesota and contains about 0.1% of the state's people. For population change between 2020 and 2023, Bayport ranks 839th of 853 in Minnesota (about the 2th percentile). Its roughly 2,186 residents per square mile place it 59th among Minnesota's places. In land area, Bayport ranks 359th among Minnesota's 853 places.
Minnesota rules behind a Bayport personal loan
For the roughly 3,788 residents of Bayport, 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 |
Bayport on the map
The Census Gazetteer records 1.7 square miles of land and 0.91 square miles of water within Bayport. With 3,788 residents, the land area yields roughly 2,186 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 24 miles away. Within 50 miles of Bayport there are 118 larger Census places. By land area it ranks 359th of 853 Minnesota places.
Inside a Bayport personal loan
Most loans made to Bayport's 3,788 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Bayport. The term you choose in Bayport decides the split between a comfortable payment and the total interest you pay.
What is available to Bayport borrowers
Bayport is a fairly dense community of about 3,788 people, with 118 larger places inside a 50-mile radius. A Minnesota licence lets a lender serve Bayport without a local office, so branch density does not change what its 3,788 residents are offered. The nearest bigger place is North Hudson, WI about 2 miles away.
Common questions
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What loan size can I expect in Bayport?
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Does comparing loans in Bayport cost me credit score points?
Nearby places
- North Hudson, WI — population 3,888
- Oak Park Heights, MN — population 4,678
- Lakeland, MN — population 1,660
- Lakeland Shores, MN — population 330
- Stillwater, MN — population 19,240
- Hudson, WI — population 15,473
- Lake St. Croix Beach, MN — population 1,008
- St. Marys Point, MN — population 344