Personal loans in Mora, MN
Personal loans in Mora are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 3,787 population. Pull your credit reports and line up at least three offers before you apply from Mora.
By population, Mora sits at 187th in Minnesota, with an estimated 3,787 residents. A single loan can carry different costs on either side of a state line, and Mora sits on the Minnesota side of that line. A 2020-to-2023 comparison shows Mora up by about 3.2%. The closest larger place is Cambridge, MN about 22 miles away.
The Mora data picture
The figures below are Mora's own — Census population, land area and coordinates — followed by the Minnesota rules.
- Population: 3,787 — Mora ranks 187th of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 3.2% from 2020 to 2023.
- People gained or lost: about 119 more since the 2020 base.
- Size percentile: bigger than about 78% of the places in Minnesota, with 3,787 residents in Mora.
- Population density: about 733 people per square mile (Census land area 5.2 sq mi).
- By land area: Mora ranks 164th among Minnesota's 853 places, at 5.2 sq mi.
- Water area: Mora has 0.26 square miles of water, ranking 175th of 853 places in Minnesota.
- State population share: Mora accounts for about 0.1% of everyone in Minnesota.
- National standing: Mora ranks 5,594th of 19,457 US places.
- Growth rank: Mora ranks 110th among Minnesota's 853 places for the 2020-to-2023 change.
- Versus Minnesota: the state average change is +0.1%, while Mora moved 3.2%.
- Density rank: Mora places 377th among Minnesota's places by people per square mile.
- Against the state median: Mora runs about 733 residents per square mile, where the Minnesota median is 607.
- Location: mapped by the US Census Bureau at 45.8770, -93.2903.
- Nearest larger cities: Cambridge (22 mi); Princeton (26 mi); Isanti (27 mi); North Branch (30 mi); Zimmerman (34 mi). Living near a larger metro rarely changes what is available in Mora.
- Smaller communities close by: Quamba (6 mi); Ogilvie (7 mi); Henriette (8 mi), each with its own Census population profile.
- Smaller neighbours: 61 places smaller than Mora sit within 50 miles.
- At 100 miles: 149 larger Census places fall inside that radius.
Land, water and location for Mora
Mora covers about 5.2 square miles of land, with 0.26 square miles of water inside its boundaries (Census Gazetteer). With 3,787 residents, the land area yields roughly 733 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 63 miles away. A 50-mile radius around Mora takes in 33 places that are larger. Within the same 50 miles lie 61 smaller Census places.
How Minnesota law applies in Mora
These are Minnesota's sourced lending facts as they reach Mora's 3,787 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 |
The Mora borrowing checklist
These steps shape the offer you get in Mora, a place of about 3,787 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Model the payment on the calculator before a lender models it for you.
- Line up several pre-qualified offers and let the APR decide.
- Look the lender up in the Minnesota regulator's licence records before you sign.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
In Mora as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 3,787 residents.
Getting a loan in Mora
With about 733 residents per square mile, Mora is moderately settled, and 33 larger Census places sit within 50 miles. Lenders licensed in Minnesota reach Mora's 3,787 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Cambridge, MN about 22 miles away.
Mora's place among Minnesota's 853 places
Set beside Minnesota's 853 places, Mora ranks 187th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 110th of 853 Minnesota places, putting it near the 87th percentile for growth. Its roughly 733 residents per square mile place it 377th among Minnesota's places. Between 2020 and 2023 the count changed by roughly 119 residents.
Common questions
What are my options in Mora if my credit is poor?
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Nearby places
- Quamba, MN — population 108
- Ogilvie, MN — population 399
- Grasston, MN — population 158
- Henriette, MN — population 59
- Braham, MN — population 1,793
- Brook Park, MN — population 130
- Bock, MN — population 80
- Isle, MN — population 824