Personal loans in Long Lake, MN

A personal loan in Long Lake is priced from your credit file and income, not from the fact that the city holds 1,923 people. For a community of about 1,923, the practical step is to compare APR across at least three lenders before committing. A single loan can carry different costs on either side of a state line, and Long Lake sits on the Minnesota side of that line. The closest larger city is Orono, MN about 2 miles away.

Local context for Long Lake

Two layers matter for a Long Lake borrower: the local population picture and Minnesota's consumer-lending statutes.

• Population: 1,923 — Long Lake ranks 271st of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Growth of about 10.2% across the 2020-to-2023 comparison.
• People gained or lost: about 178 more since the 2020 base.
• Size percentile: roughly 68% of Minnesota places rank below Long Lake.
• Population density: about 2,246 people per square mile across 0.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Long Lake's 0.9 square miles rank 573rd of 853 places in Minnesota.
• Water: Long Lake holds about 0.09 square miles, the 249th-largest water area in Minnesota.
• State share: roughly 0.0% of Minnesota's residents live in Long Lake (1,923 people).
• National rank: Long Lake is the 7,788th most populous of the 19,457 Census places covered here.
• Growth rank: Long Lake's 2020-to-2023 change ranks 19th of 853 places in Minnesota.
• Against the state trend: Long Lake's 10.2% change compares with a Minnesota average of +0.1% across its 853 places.
• Density in Minnesota: Long Lake ranks 53rd by people per square mile.
• Density vs Minnesota: Long Lake's 2,246 people per square mile compare with a state median of 607.
• Location: 44.9832, -93.5701 (Census Gazetteer coordinates).
• Nearest larger cities: Orono (2 mi); Wayzata (3 mi); Medina (4 mi); Deephaven (4 mi); Excelsior (6 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Woodland (3 mi); Spring Park (4 mi); Tonka Bay (5 mi).
• Smaller neighbours: 58 places smaller than Long Lake sit within 50 miles.
• Within 100 miles: 223 places are larger than Long Lake.

Where Long Lake sits

Long Lake's land area is about 0.9 square miles; a further 0.09 square miles is water. The resulting density is about 2,246 people per square mile. The largest place in Minnesota, Minneapolis, lies about 15 miles away. Within 50 miles of Long Lake there are 160 larger Census places. The 100-mile radius contains 223 larger places.

Long Lake against the rest of Minnesota

Set beside Minnesota's 853 places, Long Lake ranks 271st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Long Lake ranks 19th of 853 in Minnesota (about the 98th percentile). At about 2,246 people per square mile, Long Lake is the 53rd most densely settled place in Minnesota. Between 2020 and 2023 the count changed by roughly 178 residents.

Minnesota consumer-lending rules applied in Long Lake

For the roughly 1,923 residents of Long Lake, the rules below are Minnesota's own; each row carries its publisher and retrieval date.

What shapes a Long Lake personal loan

Long Lake is a small community of about 1,923 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Long Lake lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Long Lake loan but raises total interest, so the smallest payment is not the cheapest loan.

Getting a loan in Long Lake

Long Lake is fairly dense, with about 2,246 people per square mile and 160 larger places within 50 miles. Lenders licensed in Minnesota reach Long Lake's 1,923 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Orono, MN about 2 miles away.