Personal loans in Long Beach, MN

Roughly 339 residents live in Long Beach, the 565th-largest community in Minnesota. For a bigger market, look to Glenwood, MN about 2 miles away. Rate ceilings, licensing requirements and product limits for Long Beach are all set at the Minnesota level. Judge Long Beach offers on total cost, not on how quickly the money arrives.

What the Census records for Long Beach

Most of what governs a Long Beach loan is written in Minnesota law rather than in the city; the sourced notes below make that split concrete.

• Population: the Census counts 339 residents in Long Beach (Vintage 2023 subcounty estimate), the 565th-largest figure among Minnesota's 853 places.
• Population trend: A decline of about 0.9% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
• Size percentile: about 34% of Minnesota communities are smaller than Long Beach (339 residents).
• Population density: 238 people per square mile on 1.4 square miles of land.
• By land area: Long Beach ranks 408th among Minnesota's 853 places, at 1.4 sq mi.
• Water: Long Beach holds about 0.13 square miles, the 228th-largest water area in Minnesota.
• State population share: Long Beach accounts for about 0.0% of everyone in Minnesota.
• Nationally: Long Beach is the 14,694th-largest of 19,457 Census places in the dataset.
• Growth in Minnesota: Long Beach stands 452nd by percentage change from 2020 to 2023, among 853 places.
• Versus Minnesota: the state average change is +0.1%, while Long Beach moved 0.9%.
• Density rank: Long Beach places 651st among Minnesota's places by people per square mile.
• Density in context: Long Beach's 238 people per square mile sit against a Minnesota median of 607.
• Location: 45.6521, -95.4308 (US Census Bureau Gazetteer).
• Nearest larger cities: Glenwood (2 mi); Starbuck (6 mi); Alexandria (16 mi); Brooten (19 mi); Osakis (20 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Lowry (6 mi); Villard (9 mi); Forada (10 mi).
• Smaller neighbours: 49 places smaller than Long Beach sit within 50 miles.
• Within 100 miles: 219 places are larger than Long Beach.

What is available to Long Beach borrowers

Long Beach is a lightly settled community of about 339 people, with 52 larger places inside a 50-mile radius. What is available to Long Beach's 339 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Glenwood, MN about 2 miles away.

The Long Beach borrowing checklist

A sensible order of operations for a loan in Long Beach, home to about 339 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Minnesota licence by checking the regulator named above.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Be clear on what the loan is for and how it gets repaid.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Long Beach as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 339 residents.

The Minnesota lending rules that reach Long Beach

For the roughly 339 residents of Long Beach, the rules below are Minnesota's own; each row carries its publisher and retrieval date.

How personal loans work in Long Beach

With roughly 339 residents, Long Beach is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Long Beach's 339 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Long Beach loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Long Beach on the map

Long Beach's land area is about 1.4 square miles; a further 0.13 square miles is water. That land carries about 238 people per square mile. Minneapolis, the largest place in Minnesota, is about 115 miles from Long Beach. Within 50 miles of Long Beach there are 52 larger Census places. By land area it ranks 408th of 853 Minnesota places.