Personal loans in Ham Lake, MN

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ham Lake loan. Consumer lending that reaches Ham Lake's 16,726 residents is governed by Minnesota statute; no city ordinance changes it. Population in Ham Lake climbed about 1.5% over the three years from 2020 to 2023. The next larger city is Blaine, MN about 6 miles away.

Ham Lake: 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: 16,726 — Ham Lake ranks 68th of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 1.5% from 2020 to 2023.
• Net change: roughly 253 more people than the 2020 Census counted.
• Size percentile: Ham Lake sits ahead of around 92% of Minnesota places, at 16,726 people.
• Population density: about 486 people per square mile across 34.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Ham Lake covers 34.4 square miles, the 22nd-largest area among Minnesota's 853 places.
• Water area: Ham Lake has 1.45 square miles of water, ranking 64th of 853 places in Minnesota.
• Share of state population: Ham Lake's 16,726 residents are about 0.3% of Minnesota.
• National standing: Ham Lake ranks 2,185th of 19,457 US places.
• Growth in Minnesota: Ham Lake stands 198th by percentage change from 2020 to 2023, among 853 places.
• Against the state trend: Ham Lake's 1.5% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: Ham Lake places 486th among Minnesota's places by people per square mile.
• Against the state median: Ham Lake runs about 486 residents per square mile, where the Minnesota median is 607.
• Location: it lies at 45.2539, -93.1948 in the Census Gazetteer.
• Nearest larger cities: Blaine (6 mi); Andover (7 mi); Coon Rapids (8 mi); Lino Lakes (8 mi); Anoka (10 mi). Larger metros often have more branches, but online lenders reach Ham Lake on the same terms.
• Nearest smaller places: Columbus (4 mi); East Bethel (7 mi); Circle Pines (8 mi).
• Smaller neighbours: 156 places smaller than Ham Lake sit within 50 miles.
• Within 100 miles: 64 places are larger than Ham Lake.

Ham Lake's place among Minnesota's 853 places

Against Minnesota's other places, Ham Lake accounts for about 0.3% of the state's population and ranks 68th of 853 by size. For population change between 2020 and 2023, Ham Lake ranks 198th of 853 in Minnesota (about the 77th percentile). At about 486 people per square mile, Ham Lake is the 486th most densely settled place in Minnesota. Between 2020 and 2023 the count changed by roughly 253 residents.

Ham Lake: area, density and distance

The Census Gazetteer records 34.4 square miles of land and 1.45 square miles of water within Ham Lake. That land carries about 486 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 20 miles. Within 50 miles of Ham Lake there are 54 larger Census places. By land area it ranks 22nd of 853 Minnesota places.

Steps to take before a Ham Lake loan

For Ham Lake's roughly 16,726 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Line up several pre-qualified offers and let the APR decide.
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. Look for an origination fee or prepayment penalty in the written disclosure.
7. Check that the monthly payment fits your budget next to your existing obligations.

In Ham Lake as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 16,726 residents.

What shapes a Ham Lake personal loan

Ham Lake is a small town of about 16,726 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 Ham Lake's rank of 68th 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 Ham Lake loan is knowable in advance — unlike a revolving card balance.

Minnesota rules behind a Ham Lake personal loan

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