Personal loans in Nowthen, MN
In Nowthen, one of 853 Census places in Minnesota, the figure to compare across lenders is the APR, not the advertised rate. A lender that serves Nowthen operates under Minnesota lending statutes and a Minnesota supervisor.
The Census estimates 4,519 residents in Nowthen, which ranks it 166th of 853 places in Minnesota. Begin with the payment, then weigh APR and total interest across the lenders that reach Nowthen's 4,519 residents. The trend for Nowthen between 2020 and 2023 is downward by roughly 0.4%. The closest larger place is St. Francis, MN about 4 miles away.
Nowthen: population, trend and location
Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.
- Population: 4,519 residents; Nowthen is the 166th-largest of 853 places in Minnesota (US Census Bureau, Vintage 2023).
- Population trend: Roughly 0.4% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 16 residents.
- Size percentile: about 81% of Minnesota communities are smaller than Nowthen (4,519 residents).
- Density: the Census land area of 33.7 sq mi holds about 134 people per square mile.
- By land area: Nowthen ranks 26th among Minnesota's 853 places, at 33.7 sq mi.
- Water area: Nowthen has 1.54 square miles of water, ranking 62nd of 853 places in Minnesota.
- Share of Minnesota: Nowthen holds about 0.1% of the state's population, some 4,519 people.
- Nationally: Nowthen is the 5,123rd-largest of 19,457 Census places in the dataset.
- Growth rank: Nowthen's 2020-to-2023 change ranks 378th of 853 places in Minnesota.
- State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Nowthen's 0.4%.
- Density rank: Nowthen is the 733rd most densely settled place in Minnesota.
- Against the state median: Nowthen runs about 134 residents per square mile, where the Minnesota median is 607.
- Location: 45.3431, -93.4496 (Census Gazetteer coordinates).
- Nearest larger cities: St. Francis (4 mi); Elk River (6 mi); Ramsey (6 mi); Oak Grove (6 mi); Andover (8 mi). Larger metros often have more branches, but online lenders reach Nowthen on the same terms.
- Nearest smaller places: Bethel (9 mi); Osseo (16 mi); Hanover (16 mi).
- Within a 50-mile radius: 100 smaller Census places.
- Within 100 miles: 139 places are larger than Nowthen.
The anatomy of a Nowthen personal loan
In Nowthen, a small community of about 4,519, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Nowthen lender to disclose the APR and finance charge before you sign. The term you choose in Nowthen decides the split between a comfortable payment and the total interest you pay.
Land, water and location for Nowthen
Nowthen covers about 33.7 square miles of land, with 1.54 square miles of water inside its boundaries (Census Gazetteer). With 4,519 residents, the land area yields roughly 134 people per square mile. Minneapolis, the largest place in Minnesota, is about 28 miles from Nowthen. A 50-mile radius around Nowthen takes in 110 places that are larger. Within the same 50 miles lie 100 smaller Census places.
The state rulebook for Nowthen
Minnesota has no separate rate rule for Nowthen; the sourced rows below are what reach every lender that serves its 4,519 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 |
| 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 |
| 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 |
Lender access in Nowthen
Nowthen is a lightly settled community of about 4,519 people, with 110 larger places inside a 50-mile radius. Whether Nowthen has a local branch or not, a Minnesota-licensed lender can serve its 4,519 people online on the same terms. The nearest larger city, St. Francis, MN about 4 miles away.
How Nowthen compares across Minnesota
Against Minnesota's other places, Nowthen accounts for about 0.1% of the state's population and ranks 166th of 853 by size. For population change between 2020 and 2023, Nowthen ranks 378th of 853 in Minnesota (about the 56th percentile). At about 134 people per square mile, Nowthen is the 733rd most densely settled place in Minnesota. In land area, Nowthen ranks 26th among Minnesota's 853 places.
Common questions
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Nearby places
- St. Francis, MN — population 8,442
- Ramsey, MN — population 28,560
- Elk River, MN — population 27,342
- Oak Grove, MN — population 9,194
- Anoka, MN — population 17,996
- Andover, MN — population 33,089
- Dayton, MN — population 10,157
- Zimmerman, MN — population 6,762