Personal loans in Bertha, MN

Bertha ranks 469th of 853 places in Minnesota, with a population near 551. The nearest larger city is Clarissa, MN about 11 miles away. For the 551 people in Bertha, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. If debt is already a strain, a nonprofit credit counsellor can help Bertha residents before they take on more.

Borrowing in Bertha: the local picture

Only a few things actually differ by place — population, area, location, and the Minnesota rules a lender must follow — and they are below.

• Population: about 551 people live here, which puts Bertha 469th of 853 Census places in Minnesota (Vintage 2023).
• Population trend: Lower by roughly 1.8% since the 2020 count.
• Net change: roughly 10 fewer people than the 2020 Census counted.
• Size percentile: roughly 45% of Minnesota's places have fewer residents than Bertha's 551.
• Land and density: 1.1 square miles of land carry roughly 508 residents per square mile.
• By land area: Bertha ranks 477th among Minnesota's 853 places, at 1.1 sq mi.
• State population share: Bertha accounts for about 0.0% of everyone in Minnesota.
• National rank: Bertha is 12,760th of 19,457 places nationwide.
• Growth rank: Bertha's 2020-to-2023 change ranks 596th of 853 places in Minnesota.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Bertha's 1.8%.
• Density rank: Bertha is the 471st most densely settled place in Minnesota.
• Density in context: Bertha's 508 people per square mile sit against a Minnesota median of 607.
• Location: latitude 46.2671, longitude -95.0618 (Census Gazetteer).
• Nearest larger cities: Clarissa (11 mi); Wadena (13 mi); Staples (14 mi); Parkers Prairie (15 mi); Browerville (16 mi). Living near a larger metro rarely changes what is available in Bertha.
• Smaller communities within reach: Hewitt (4 mi); Eagle Bend (7 mi); Verndale (9 mi).
• Smaller neighbours: 55 places smaller than Bertha sit within 50 miles.
• Larger places within 100 miles: 140.

Lender access in Bertha

Bertha is moderately settled, with about 508 people per square mile and 38 larger places within 50 miles. A Minnesota licence lets a lender serve Bertha without a local office, so branch density does not change what its 551 residents are offered. The nearest bigger place is Clarissa, MN about 11 miles away.

How Minnesota law applies in Bertha

When Minnesota does not publish a figure, the row links to the source instead of inventing a number; Bertha is bound by the same rules.

Steps to take before a Bertha loan

For Bertha's roughly 551 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Minnesota regulator's records to confirm the lender is licensed here.
5. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Minnesota; what changes is your credit file, not the fact that Bertha holds 551 people.

Where Bertha sits in Minnesota

Bertha is the 469th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 596th of 853 Minnesota places, putting it near the 30th percentile for growth. At about 508 people per square mile, Bertha is the 471st most densely settled place in Minnesota. The population moved by about 10 people between 2020 and 2023, a 1.8% shift.

What a Bertha borrower is actually offered

Bertha is a small community of about 551 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Bertha's rank of 469th in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Bertha loan is knowable in advance — unlike a revolving card balance.