Personal loans in Lakeland Shores, MN
A personal loan in Lakeland Shores is priced from your credit file and income, not from the fact that the city holds 330 people. About 330 people live in Lakeland Shores, placing it 571st of 853 Census places in Minnesota.
A larger market lies at Lakeland, MN about 0 miles away. Population in Lakeland Shores dropped about 3.2% over the three years from 2020 to 2023. A lender that serves Lakeland Shores operates under Minnesota lending statutes and a Minnesota supervisor. Use the calculator on this page to price an amount and term before you commit in Lakeland Shores.
Borrowing in Lakeland Shores: the local picture
Lakeland Shores is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 330, ranked 571st of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 3.2% from the 2020 Census base to the 2023 estimate.
- Absolute change: 11 residents lost between 2020 and 2023.
- Size percentile: about 33% of Minnesota's Census places are smaller than Lakeland Shores.
- Population density: about 1,044 people per square mile (Census land area 0.3 sq mi).
- By land area: Lakeland Shores ranks 773rd among Minnesota's 853 places, at 0.3 sq mi.
- Water: Lakeland Shores holds about 0.42 square miles, the 140th-largest water area in Minnesota.
- Share of Minnesota: Lakeland Shores holds about 0.0% of the state's population, some 330 people.
- Nationally: Lakeland Shores is the 14,790th-largest of 19,457 Census places in the dataset.
- Growth rank: Lakeland Shores's 2020-to-2023 change ranks 766th of 853 places in Minnesota.
- Against the state trend: Lakeland Shores's 3.2% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: Lakeland Shores places 255th among Minnesota's places by people per square mile.
- Density vs Minnesota: Lakeland Shores's 1,044 people per square mile compare with a state median of 607.
- Location: 44.9495, -92.7624 (Census Gazetteer coordinates).
- Nearest larger cities: Lakeland (0 mi); Lake St. Croix Beach (2 mi); Hudson (2 mi); St. Marys Point (3 mi); North Hudson (3 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Mendota (20 mi); Coates (21 mi); Miesville (24 mi).
- Smaller neighbours: 15 places smaller than Lakeland Shores sit within 50 miles.
- At 100 miles: 397 larger Census places fall inside that radius.
Minnesota consumer-lending rules applied in Lakeland Shores
These are Minnesota's sourced lending facts as they reach Lakeland Shores's 330 residents; the state has no city-level rate rule.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Minnesota Department of Commerce (commissioner of commerce) Source says: ""Commissioner" means the commissioner of commerce" | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 6% per year legal rate of interest; a different rate may be contracted for in writing (Minn. Stat. § 334.01) Source says: "The interest for any legal indebtedness shall be at the rate of $6 upon $100 for a year" | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
| Payday lending status | Legal and licensed; APR capped at 36%, or up to 50% with an ability-to-repay analysis (Minn. Stat. §§ 47.60, 47.601, 47.603) Source says: "The cap on that annual percentage rate is set at either 36%, or up to 50% if the lender conducts an ability to repay analysis" | Minnesota Department of Commerce as of 2026-09-16 |
The geography behind Lakeland Shores
Inside Lakeland Shores's boundaries lie roughly 0.3 square miles of land and 0.42 square miles of water. With 330 residents, the land area yields roughly 1,044 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 25 miles. Within 50 miles of Lakeland Shores there are 189 larger Census places. By land area it ranks 773rd of 853 Minnesota places.
What is available to Lakeland Shores borrowers
Lakeland Shores is moderately settled, with about 1,044 people per square mile and 189 larger places within 50 miles. What is available to Lakeland Shores's 330 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Lakeland, MN about 0 miles away.
Where Lakeland Shores sits in Minnesota
Against Minnesota's other places, Lakeland Shores accounts for about 0.0% of the state's population and ranks 571st of 853 by size. For population change between 2020 and 2023, Lakeland Shores ranks 766th of 853 in Minnesota (about the 10th percentile). Its roughly 1,044 residents per square mile place it 255th among Minnesota's places. Within 50 miles sit 15 smaller Census places, alongside the 189 that are larger.
What shapes a Lakeland Shores personal loan
With roughly 330 residents, Lakeland Shores is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Lakeland Shores's 330 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Lakeland Shores loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Lakeland Shores if my credit is poor?
What loan size can I expect in Lakeland Shores?
Do I have to pledge anything to borrow in Lakeland Shores?
Does comparing loans in Lakeland Shores cost me credit score points?
Nearby places
- Lakeland, MN — population 1,660
- Lake St. Croix Beach, MN — population 1,008
- Hudson, WI — population 15,473
- St. Marys Point, MN — population 344
- North Hudson, WI — population 3,888
- Bayport, MN — population 3,788
- Afton, MN — population 2,941
- Oak Park Heights, MN — population 4,678