Personal loans in Climax, MN

Census figures put the 2020-to-2023 decrease in Climax at about 1.6%. Which products a lender may offer to Climax's 240 residents follows from the Minnesota consumer-lending framework. Use the calculator on this page to price an amount and term before you commit in Climax. For a bigger market, look to Fisher, MN about 13 miles away.

The Climax data picture

Set out below is Climax's local context next to the state-level rules that reach every lender here.

• Population: 240 — Climax ranks 621st of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 1.6%.
• Net change: roughly 4 fewer people than the 2020 Census counted.
• Size percentile: Climax's 240 people outrank roughly 27% of the places in Minnesota.
• Density: the Census land area of 0.9 sq mi holds about 256 people per square mile.
• Land area rank: Climax's 0.9 square miles rank 552nd of 853 places in Minnesota.
• Share of Minnesota: Climax holds about 0.0% of the state's population, some 240 people.
• Nationally: Climax is the 15,893rd-largest of 19,457 Census places in the dataset.
• Growth in Minnesota: Climax stands 571st by percentage change from 2020 to 2023, among 853 places.
• Against the state trend: Climax's 1.6% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: Climax is the 644th most densely settled place in Minnesota.
• Against the state median: Climax runs about 256 residents per square mile, where the Minnesota median is 607.
• Location: latitude 47.6095, longitude -96.8122 (Census Gazetteer).
• Nearest larger cities: Fisher (13 mi); Buxton (13 mi); Reynolds (14 mi); Crookston (15 mi); Thompson (18 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Nielsville (6 mi); Shelly (10 mi); Beltrami (14 mi).
• Smaller neighbours: 22 places smaller than Climax sit within 50 miles.
• Within 100 miles: 103 places are larger than Climax.

Where Climax sits

Inside Climax's boundaries lie about 0.9 square miles of land, with no significant water area recorded. With 240 residents, the land area yields roughly 256 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 249 miles. A 50-mile radius around Climax takes in 39 places that are larger. Within the same 50 miles lie 22 smaller Census places.

Lender access in Climax

Climax is lightly settled, with about 256 people per square mile and 39 larger places within 50 miles. What is available to Climax's 240 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Fisher, MN about 13 miles away.

What shapes a Climax personal loan

Most loans made to Climax's 240 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 Climax. A longer term lowers the monthly payment on a Climax loan but raises total interest, so the smallest payment is not the cheapest loan.

The Minnesota lending rules that reach Climax

The rows below set out what a licensed lender must follow in Minnesota, and so for Climax's roughly 240 residents.

How Climax compares across Minnesota

Against Minnesota's other places, Climax accounts for about 0.0% of the state's population and ranks 621st of 853 by size. For population change between 2020 and 2023, Climax ranks 571st of 853 in Minnesota (about the 33th percentile). At about 256 people per square mile, Climax is the 644th most densely settled place in Minnesota. In land area, Climax ranks 552nd among Minnesota's 853 places.