Personal loans in Ogema, MN

Ogema ranks 651st of 853 places in Minnesota, with a population near 203. The closest larger city is Waubun, MN about 6 miles away. Rate ceilings, licensing requirements and product limits for Ogema are all set at the Minnesota level. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ogema loan.

Ogema: population, trend and location

What follows is Ogema's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.

• Population: 203 — Ogema ranks 651st of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Down about 2.4% from the 2020 Census base to the 2023 estimate.
• Change in people: the 2020-to-2023 comparison is a loss of about 5 residents.
• Size percentile: with 203 residents, Ogema is larger than about 24% of Minnesota's Census places.
• Density: roughly 175 residents per square mile, spread over 1.2 sq mi of land.
• Land area: Ogema covers 1.2 square miles, the 462nd-largest area among Minnesota's 853 places.
• Water area: Ogema has 0.05 square miles of water, ranking 289th of 853 places in Minnesota.
• State share: roughly 0.0% of Minnesota's residents live in Ogema (203 people).
• Nationally: Ogema is the 16,442nd-largest of 19,457 Census places in the dataset.
• Growth rank: Ogema's 2020-to-2023 change ranks 670th of 853 places in Minnesota.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Ogema's 2.4%.
• Density rank: Ogema is the 695th most densely settled place in Minnesota.
• Density in context: Ogema's 175 people per square mile sit against a Minnesota median of 607.
• Location: 47.1023 / -95.9166, per the US Census Bureau Gazetteer.
• Nearest larger cities: Waubun (6 mi); Mahnomen (15 mi); Ulen (16 mi); Audubon (17 mi); Lake Park (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller towns nearby: Callaway (8 mi); Hitterdal (18 mi); Bejou (24 mi).
• Smaller places within 50 miles: 28 of them.
• Larger places within 100 miles: 152.

The geography behind Ogema

The Census Gazetteer records 1.2 square miles of land and 0.05 square miles of water within Ogema. With 203 residents, the land area yields roughly 175 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 195 miles away. Ogema has 38 larger places within a 50-mile radius. Within the same 50 miles lie 28 smaller Census places.

What Minnesota law requires in Ogema

Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Ogema lender must follow.

Ogema in state context

Against Minnesota's other places, Ogema accounts for about 0.0% of the state's population and ranks 651st of 853 by size. Its 2020-to-2023 change ranks 670th of 853 Minnesota places, putting it near the 21th percentile for growth. Its roughly 175 residents per square mile place it 695th among Minnesota's places. By land area, its 1.2 square miles rank 462nd of 853 places in Minnesota.

How lenders reach Ogema

With about 175 residents per square mile, Ogema is lightly settled, and 38 larger Census places sit within 50 miles. Whether Ogema has a local branch or not, a Minnesota-licensed lender can serve its 203 people online on the same terms. For a larger market, the closest option is Waubun, MN about 6 miles away.

What shapes a Ogema personal loan

Ogema is a small community of about 203 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Ogema can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Ogema loan but raises total interest, so the smallest payment is not the cheapest loan.