Personal loans in Blaine, MN

With roughly 73,774 residents, Blaine is a mid-sized city, and the lending rules its borrowers live under are written in Minnesota, not by the city. Verify the lender's Minnesota licence against the regulator named below before borrowing in Blaine. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Blaine's 73,774 residents. A 2020-to-2023 comparison shows Blaine up by about 5.1%. Borrowers who want a bigger city can look to Brooklyn Park, MN about 8 miles away.

What the Census records for Blaine

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

• Population: an estimated 73,774 residents, 10th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
• Population trend: A rise of about 5.1% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 3,558 residents.
• Size percentile: roughly 99% of Minnesota's places have fewer residents than Blaine's 73,774.
• Population density: 2,242 people per square mile on 32.9 square miles of land.
• By land area: Blaine ranks 31st among Minnesota's 853 places, at 32.9 sq mi.
• Water area rank: Blaine ranks 80th among Minnesota's 853 places, with 1.12 sq mi.
• Share of state population: Blaine's 73,774 residents are about 1.5% of Minnesota.
• National rank: Blaine is the 502nd most populous of the 19,457 Census places covered here.
• Growth rank: Blaine ranks 73rd among Minnesota's 853 places for the 2020-to-2023 change.
• Versus Minnesota: the state average change is +0.1%, while Blaine moved 5.1%.
• Density rank: Blaine is the 54th most densely settled place in Minnesota.
• Against the state median: Blaine runs about 2,242 residents per square mile, where the Minnesota median is 607.
• Location: coordinates 45.1705, -93.2061 (US Census Bureau Gazetteer).
• Nearest larger cities: Brooklyn Park (8 mi); Minneapolis (15 mi); St. Paul (16 mi); Plymouth (16 mi); Woodbury (23 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Lexington (3 mi); Circle Pines (3 mi); Spring Lake Park (4 mi).
• Within a 50-mile radius: 208 smaller Census places.
• Within 100 miles: 8 places are larger than Blaine.

Blaine on the map

The Census Gazetteer records 32.9 square miles of land and 1.12 square miles of water within Blaine. With 73,774 residents, the land area yields roughly 2,242 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 15 miles. Blaine has 7 larger places within a 50-mile radius. By land area it ranks 31st of 853 Minnesota places.

How lenders reach Blaine

At roughly 2,242 people per square mile, Blaine is fairly dense; 7 larger places lie within 50 miles. Lenders licensed in Minnesota reach Blaine's 73,774 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Brooklyn Park, MN about 8 miles away.

Inside a Blaine personal loan

In Blaine, a mid-sized city of about 73,774, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Blaine lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Blaine loan is knowable in advance — unlike a revolving card balance.

Minnesota consumer-lending rules applied in Blaine

For the roughly 73,774 residents of Blaine, the rules below are Minnesota's own; each row carries its publisher and retrieval date.

What to do before borrowing in Blaine

These steps shape the offer you get in Blaine, a place of about 73,774 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the Minnesota regulator's records to confirm the lender is licensed here.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

What differs between Blaine and the rest of Minnesota is not the process but the borrower's own file, among the 73,774 people here.