Personal loans in Richfield, MN

Rate ceilings, licensing requirements and product limits for Richfield are all set at the Minnesota level. At about 36,445 residents, Richfield is larger than roughly 97% of the places in Minnesota. Pull your credit reports and line up at least three offers before you apply from Richfield. The 2020 count to the 2023 estimate shows about 1.5% decline in Richfield. The nearest larger city is Bloomington, MN about 3 miles away.

Borrowing in Richfield: the local picture

The figures below are Richfield's own — Census population, land area and coordinates — followed by the Minnesota rules.

• Population: about 36,445 people live here, which puts Richfield 26th of 853 Census places in Minnesota (Vintage 2023).
• Population trend: A drop of about 1.5% from 2020 to 2023.
• People gained or lost: about 561 fewer since the 2020 base.
• Size percentile: roughly 97% of Minnesota places rank below Richfield.
• Population density: 5,377 people per square mile on 6.8 square miles of land.
• By land area: Richfield ranks 140th among Minnesota's 853 places, at 6.8 sq mi.
• Water: Richfield holds about 0.14 square miles, the 223rd-largest water area in Minnesota.
• State population share: Richfield accounts for about 0.8% of everyone in Minnesota.
• Nationally: Richfield is the 1,102nd-largest of 19,457 Census places in the dataset.
• Growth rank: Richfield ranks 556th among Minnesota's 853 places for the 2020-to-2023 change.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Richfield's 1.5%.
• Density rank: Richfield places 7th among Minnesota's places by people per square mile.
• Against the state median: Richfield runs about 5,377 residents per square mile, where the Minnesota median is 607.
• Location: mapped by the US Census Bureau at 44.8744, -93.2824.
• Nearest larger cities: Bloomington (3 mi); Edina (4 mi); Minneapolis (6 mi); St. Louis Park (7 mi); Eagan (7 mi). Larger metros often have more branches, but online lenders reach Richfield on the same terms.
• Nearest smaller towns: Mendota (6 mi); Hopkins (7 mi); Mendota Heights (7 mi) — useful context for the surrounding area.
• Smaller neighbours: 194 places smaller than Richfield sit within 50 miles.
• Larger places within 100 miles: 24.

What is available to Richfield borrowers

With about 5,377 residents per square mile, Richfield is densely built, and 20 larger Census places sit within 50 miles. Whether Richfield has a local branch or not, a Minnesota-licensed lender can serve its 36,445 people online on the same terms. For a larger market, the closest option is Bloomington, MN about 3 miles away.

Richfield on the map

Richfield covers about 6.8 square miles of land, with 0.14 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 5,377 people per square mile. The largest place in Minnesota, Minneapolis, lies about 6 miles away. A 50-mile radius around Richfield takes in 20 places that are larger. The 100-mile radius contains 24 larger places.

Richfield's place among Minnesota's 853 places

Set beside Minnesota's 853 places, Richfield ranks 26th by population and holds about 0.8% of the state total. For population change between 2020 and 2023, Richfield ranks 556th of 853 in Minnesota (about the 35th percentile). At about 5,377 people per square mile, Richfield is the 7th most densely settled place in Minnesota. Within 50 miles sit 194 smaller Census places, alongside the 20 that are larger.

Inside a Richfield personal loan

With roughly 36,445 residents, Richfield is a smaller city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Richfield 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 Richfield loan but raises total interest, so the smallest payment is not the cheapest loan.

The state rulebook for Richfield

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