Personal loans in Cold Spring, MN

Work out your debt-to-income ratio first; lenders weigh it heavily, and Cold Spring's 4,259 residents are no exception. The Census estimates 4,259 residents in Cold Spring, which ranks it 171st of 853 places in Minnesota. Rate ceilings, licensing requirements and product limits for Cold Spring are all set at the Minnesota level. Cold Spring gained roughly 2.4% in population across the 2020-to-2023 comparison. Borrowers who want a bigger city can look to St. Joseph, MN about 10 miles away.

Cold Spring: population, trend and location

Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.

• Population: an estimated 4,259 residents, 171st of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 2.4% more residents than the 2020 Census counted.
• Absolute change: 98 residents added between 2020 and 2023.
• Size percentile: roughly 80% of Minnesota places rank below Cold Spring.
• Density: roughly 1,519 residents per square mile, spread over 2.8 sq mi of land.
• Land area rank: Cold Spring's 2.8 square miles rank 265th of 853 places in Minnesota.
• Water area: Cold Spring has 0.05 square miles of water, ranking 297th of 853 places in Minnesota.
• Within Minnesota: about 0.1% of the state's population lives in Cold Spring.
• National rank: Cold Spring sits 5,293rd by population among the 19,457 places in this dataset.
• Growth in Minnesota: Cold Spring stands 151st by percentage change from 2020 to 2023, among 853 places.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Cold Spring's 2.4%.
• Density in Minnesota: Cold Spring ranks 131st by people per square mile.
• Density vs Minnesota: Cold Spring's 1,519 people per square mile compare with a state median of 607.
• Location: mapped by the US Census Bureau at 45.4583, -94.4282.
• Nearest larger cities: St. Joseph (10 mi); Waite Park (10 mi); St. Cloud (13 mi); Sartell (15 mi); Sauk Rapids (16 mi). Larger metros often have more branches, but online lenders reach Cold Spring on the same terms.
• Nearest smaller towns: Richmond (4 mi); Rockville (5 mi); Watkins (10 mi) — useful context for the surrounding area.
• Smaller neighbours: 95 places smaller than Cold Spring sit within 50 miles.
• At 100 miles: 141 larger Census places fall inside that radius.

Land, water and location for Cold Spring

Inside Cold Spring's boundaries lie roughly 2.8 square miles of land and 0.05 square miles of water. Spread across it are roughly 1,519 residents per square mile. The state's population centre of gravity, Minneapolis, is roughly 66 miles away. Cold Spring has 28 larger places within a 50-mile radius. By land area it ranks 265th of 853 Minnesota places.

Cold Spring against the rest of Minnesota

Against Minnesota's other places, Cold Spring accounts for about 0.1% of the state's population and ranks 171st of 853 by size. Its 2020-to-2023 change ranks 151st of 853 Minnesota places, putting it near the 82th percentile for growth. By density, at about 1,519 people per square mile, it ranks 131st in Minnesota. By land area, its 2.8 square miles rank 265th of 853 places in Minnesota.

What is available to Cold Spring borrowers

At roughly 1,519 people per square mile, Cold Spring is moderately settled; 28 larger places lie within 50 miles. Lenders licensed in Minnesota reach Cold Spring's 4,259 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is St. Joseph, MN about 10 miles away.

What shapes a Cold Spring personal loan

In Cold Spring, a small community of about 4,259, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Cold Spring's 4,259 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Cold Spring loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What Minnesota law requires in Cold Spring

Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Cold Spring lender must follow.