Personal loans in Orr, MN

A lender serving Orr holds a Minnesota licence and answers to a Minnesota regulator; no city office is involved for its 212 residents. Population in Orr dropped about 1.9% over the three years from 2020 to 2023. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Orr loan. The nearest larger metro is Cook, MN about 17 miles away.

What the Census records for Orr

Most of what governs a Orr loan is written in Minnesota law rather than in the city; the sourced notes below make that split concrete.

• Population: 212 people, a figure that places Orr 644th among the 853 Census places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: About 1.9% below the 2020 Census base.
• Net change: roughly 4 fewer people than the 2020 Census counted.
• Size percentile: about 25% of Minnesota's Census places are smaller than Orr.
• Density: the Census land area of 1.4 sq mi holds about 151 people per square mile.
• By land area: Orr ranks 414th among Minnesota's 853 places, at 1.4 sq mi.
• Water area: Orr has 0.02 square miles of water, ranking 345th of 853 places in Minnesota.
• Share of state population: Orr's 212 residents are about 0.0% of Minnesota.
• Nationally: Orr is the 16,301st-largest of 19,457 Census places in the dataset.
• Growth rank: Orr ranks 607th among Minnesota's 853 places for the 2020-to-2023 change.
• Versus Minnesota: the state average change is +0.1%, while Orr moved 1.9%.
• Density rank: Orr places 719th among Minnesota's places by people per square mile.
• Against the state median: Orr runs about 151 residents per square mile, where the Minnesota median is 607.
• Location: mapped by the US Census Bureau at 48.0576, -92.8236.
• Nearest larger cities: Cook (17 mi); Tower (30 mi); Mountain Iron (37 mi); Buhl (39 mi); Virginia (39 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Kinney (38 mi); Effie (41 mi); Leonidas (42 mi).
• Smaller neighbours: 7 places smaller than Orr sit within 50 miles.
• Within 100 miles: 46 places are larger than Orr.

Where Orr sits in Minnesota

Among Minnesota's 853 places, Orr sits at 644th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Orr stands 607th among Minnesota's 853 places — roughly the 29th percentile. At about 151 people per square mile, Orr is the 719th most densely settled place in Minnesota. Within 50 miles sit 7 smaller Census places, alongside the 19 that are larger.

Lender access in Orr

Orr is lightly settled, with about 151 people per square mile and 19 larger places within 50 miles. A Minnesota licence lets a lender serve Orr without a local office, so branch density does not change what its 212 residents are offered. For a larger market, the closest option is Cook, MN about 17 miles away.

The Orr borrowing checklist

A sensible order of operations for a loan in Orr, home to about 212 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the lender holds a Minnesota licence by checking the regulator named above.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Decide the purpose and how you will repay it before approaching any lender.

In Orr as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 212 residents.

How Minnesota law applies in Orr

These are Minnesota's sourced lending facts as they reach Orr's 212 residents; the state has no city-level rate rule.

What shapes a Orr personal loan

Most loans made to Orr's 212 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Orr loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Orr loan but raises total interest, so the smallest payment is not the cheapest loan.