Personal loans in Marine on St. Croix, MN
A personal loan in Marine on St. Croix is priced from your credit file and income, not from the fact that the city holds 657 people. Compare APR, not the interest rate, because the APR folds in most fees on a Marine on St. Croix loan.
The Census counts 657 people in Marine on St. Croix, the 437th-largest figure among Minnesota's 853 places. A single loan can carry different costs on either side of a state line, and Marine on St. Croix sits on the Minnesota side of that line. Marine on St. Croix lost roughly 1.1% of its population across the 2020-to-2023 comparison. The nearest larger city is Scandia, MN about 5 miles away.
Marine on St. Croix by the numbers
Set out below is Marine on St. Croix's local context next to the state-level rules that reach every lender here.
- Population: about 657 people live here, which puts Marine on St. Croix 437th of 853 Census places in Minnesota (Vintage 2023).
- Population trend: About 1.1% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 7 residents.
- Size percentile: about 49% of Minnesota's Census places are smaller than Marine on St. Croix.
- Population density: about 168 people per square mile across 3.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Marine on St. Croix ranks 198th among Minnesota's 853 places, at 3.9 sq mi.
- Water area: Marine on St. Croix has 0.29 square miles of water, ranking 163rd of 853 places in Minnesota.
- Share of state population: Marine on St. Croix's 657 residents are about 0.0% of Minnesota.
- National rank: Marine on St. Croix sits 12,057th by population among the 19,457 places in this dataset.
- Growth rank: Marine on St. Croix's 2020-to-2023 change ranks 478th of 853 places in Minnesota.
- Versus Minnesota: the state average change is +0.1%, while Marine on St. Croix moved 1.1%.
- Density rank: Marine on St. Croix is the 702nd most densely settled place in Minnesota.
- Density vs Minnesota: Marine on St. Croix's 168 people per square mile compare with a state median of 607.
- Location: mapped by the US Census Bureau at 45.1909, -92.7784.
- Nearest larger cities: Scandia (5 mi); Somerset (7 mi); Hugo (9 mi); Stillwater (9 mi); Osceola (10 mi). Lenders licensed in the state serve Marine on St. Croix whether or not they keep a local branch.
- Nearest smaller towns: Willernie (13 mi); Pine Springs (14 mi); Center City (14 mi).
- Within a 50-mile radius: 31 smaller Census places.
- Larger places within 100 miles: 328.
How lenders reach Marine on St. Croix
At roughly 168 people per square mile, Marine on St. Croix is lightly settled; 169 larger places lie within 50 miles. Lenders licensed in Minnesota reach Marine on St. Croix's 657 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Scandia, MN about 5 miles away.
Marine on St. Croix's place among Minnesota's 853 places
Among Minnesota's 853 places, Marine on St. Croix sits at 437th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Marine on St. Croix ranks 478th of 853 in Minnesota (about the 44th percentile). By density, at about 168 people per square mile, it ranks 702nd in Minnesota. Between 2020 and 2023 the count changed by roughly 7 residents.
A pre-application checklist for Marine on St. Croix
For Marine on St. Croix's roughly 657 residents, these are the steps that most influence the offer:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Shop at least three lenders and judge them on APR and total cost.
- Look the lender up in the Minnesota regulator's licence records before you sign.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
- Be clear on what the loan is for and how it gets repaid.
In Marine on St. Croix as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 657 residents.
The Minnesota lending rules that reach Marine on St. Croix
These are Minnesota's sourced lending facts as they reach Marine on St. Croix's 657 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 |
| 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 |
| Small-loan / installment lender licensing | Regulated loan license required from the commissioner for loans within the Chapter 56 threshold (Minn. Stat. § 56.01) Source says: "without first obtaining a license from the commissioner, no person shall engage in the business of making loans of money" | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
Where Marine on St. Croix sits
The Census Gazetteer records 3.9 square miles of land and 0.29 square miles of water within Marine on St. Croix. The resulting density is about 168 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 29 miles. Within 50 miles of Marine on St. Croix there are 169 larger Census places. By land area it ranks 198th of 853 Minnesota places.
Common questions
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Nearby places
- Scandia, MN — population 3,944
- Somerset, WI — population 3,220
- Stillwater, MN — population 19,240
- Osceola, WI — population 2,872
- Oak Park Heights, MN — population 4,678
- Grant, MN — population 3,932
- Bayport, MN — population 3,788
- Hugo, MN — population 16,501