Personal loans in Rothsay, MN

With roughly 491 residents, Rothsay is a small community, and the lending rules its borrowers live under are written in Minnesota, not by the city. Rate-shopping from Rothsay costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A single loan can carry different costs on either side of a state line, and Rothsay sits on the Minnesota side of that line. The closest larger place is Pelican Rapids, MN about 12 miles away.

Rothsay: the sourced local profile

Two layers matter for a Rothsay borrower: the local population picture and Minnesota's consumer-lending statutes.

• Population: 491 people, a figure that places Rothsay 498th among the 853 Census places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 1.4% since the 2020 count.
• Absolute change: 7 residents lost between 2020 and 2023.
• Size percentile: bigger than about 42% of the places in Minnesota, with 491 residents in Rothsay.
• Density: roughly 572 residents per square mile, spread over 0.9 sq mi of land.
• Land area rank: Rothsay's 0.9 square miles rank 572nd of 853 places in Minnesota.
• State share: roughly 0.0% of Minnesota's residents live in Rothsay (491 people).
• National rank: Rothsay is 13,245th of 19,457 places nationwide.
• Growth in Minnesota: Rothsay stands 537th by percentage change from 2020 to 2023, among 853 places.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Rothsay's 1.4%.
• Density in Minnesota: Rothsay ranks 446th by people per square mile.
• Density vs Minnesota: Rothsay's 572 people per square mile compare with a state median of 607.
• Location: it lies at 46.4731, -96.2842 in the Census Gazetteer.
• Nearest larger cities: Pelican Rapids (12 mi); Barnesville (14 mi); Fergus Falls (16 mi); Breckenridge (20 mi); Wahpeton (21 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Erhard (9 mi); Elizabeth (10 mi); Foxhome (14 mi).
• Smaller neighbours: 53 places smaller than Rothsay sit within 50 miles.
• At 100 miles: 104 larger Census places fall inside that radius.

Steps to take before a Rothsay loan

Before you hand your details to a lender in Rothsay, where the population is near 491:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Minnesota licence with the regulator listed on this page.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Decide the purpose and how you will repay it before approaching any lender.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Rothsay and the rest of Minnesota is not the process but the borrower's own file, among the 491 people here.

What shapes a Rothsay personal loan

Rothsay is a small community of about 491 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Rothsay. The term you choose in Rothsay decides the split between a comfortable payment and the total interest you pay.

Rothsay's place among Minnesota's 853 places

Rothsay is the 498th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Rothsay stands 537th among Minnesota's 853 places — roughly the 37th percentile. By density, at about 572 people per square mile, it ranks 446th in Minnesota. In land area, Rothsay ranks 572nd among Minnesota's 853 places.

Rothsay: area, density and distance

The Census Gazetteer records about 0.9 square miles of land within Rothsay, with no significant water area listed. The resulting density is about 572 people per square mile. Minneapolis, the largest place in Minnesota, is about 179 miles from Rothsay. Counting outward 50 miles, 32 larger communities surround Rothsay. The 100-mile radius contains 104 larger places.

Which Minnesota laws govern a loan in Rothsay

Minnesota has no separate rate rule for Rothsay; the sourced rows below are what reach every lender that serves its 491 people.