Personal loans in Lewiston, MN
Personal loans in Lewiston are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,507 population. The Census estimates 1,507 residents in Lewiston, which ranks it 296th of 853 places in Minnesota.
Pull your credit reports and line up at least three offers before you apply from Lewiston. A 2020-to-2023 comparison shows Lewiston down by about 1.2%. For the 1,507 people in Lewiston, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Borrowers who want a bigger city can look to St. Charles, MN about 9 miles away.
Lewiston: the sourced local profile
Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.
- Population: about 1,507 people live here, which puts Lewiston 296th of 853 Census places in Minnesota (Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 1.2%.
- Absolute change: 19 residents lost between 2020 and 2023.
- Size percentile: about 65% of Minnesota communities are smaller than Lewiston (1,507 residents).
- Population density: 1,191 people per square mile on 1.3 square miles of land.
- By land area: Lewiston ranks 441st among Minnesota's 853 places, at 1.3 sq mi.
- Within Minnesota: about 0.0% of the state's population lives in Lewiston.
- National standing: Lewiston ranks 8,669th of 19,457 US places.
- Growth in Minnesota: Lewiston stands 510th by percentage change from 2020 to 2023, among 853 places.
- Against the state trend: Lewiston's 1.2% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: Lewiston is the 204th most densely settled place in Minnesota.
- Density vs Minnesota: Lewiston's 1,191 people per square mile compare with a state median of 607.
- Location: coordinates 43.9824, -91.8695 (US Census Bureau Gazetteer).
- Nearest larger cities: St. Charles (9 mi); Goodview (10 mi); Winona (11 mi); Rushford (13 mi); Eyota (18 mi). Living near a larger metro rarely changes what is available in Lewiston.
- Smaller places close by: Utica (4 mi); Stockton (6 mi); Altura (7 mi).
- Smaller neighbours: 69 places smaller than Lewiston sit within 50 miles.
- Within 100 miles: 160 places are larger than Lewiston.
Borrowing reach in Lewiston
At roughly 1,191 people per square mile, Lewiston is moderately settled; 32 larger places lie within 50 miles. A Minnesota licence lets a lender serve Lewiston without a local office, so branch density does not change what its 1,507 residents are offered. The nearest bigger place is St. Charles, MN about 9 miles away.
Minnesota consumer-lending rules applied in Lewiston
Minnesota has no separate rate rule for Lewiston; the sourced rows below are what reach every lender that serves its 1,507 people.
| 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 |
| Payday ability-to-repay requirement | Required for payday loans with an APR above 36% (Minn. Stat. § 47.603) Source says: "This section applies to all payday loans with an annual percentage rate that exceeds 36 percent." | 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 |
Lewiston in state context
Within Minnesota, Lewiston holds roughly 0.0% of all residents, the 296th-largest share among 853 places. For population change between 2020 and 2023, Lewiston ranks 510th of 853 in Minnesota (about the 40th percentile). Its roughly 1,191 residents per square mile place it 204th among Minnesota's places. In land area, Lewiston ranks 441st among Minnesota's 853 places.
What a Lewiston borrower is actually offered
Lewiston is a small community of about 1,507 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Lewiston loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Lewiston decides the split between a comfortable payment and the total interest you pay.
Land, water and location for Lewiston
Lewiston covers about 1.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,191 residents per square mile. The state's population centre of gravity, Minneapolis, is roughly 97 miles away. A 50-mile radius around Lewiston takes in 32 places that are larger. By land area it ranks 441st of 853 Minnesota places.
Common questions
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Nearby places
- Utica, MN — population 258
- Stockton, MN — population 816
- Altura, MN — population 465
- Rollingstone, MN — population 677
- Minnesota City, MN — population 184
- Goodview, MN — population 4,087
- Elba, MN — population 128
- St. Charles, MN — population 4,037