Personal loans in St. Anthony, MN

In St. Anthony, one of 853 Census places in Minnesota, the figure to compare across lenders is the APR, not the advertised rate. With 92 residents, St. Anthony outranks about 10% of the communities in Minnesota.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The closest larger place is Freeport, MN about 4 miles away. Between the 2020 Census base and the 2023 estimate, St. Anthony's population barely changed. A lender that serves St. Anthony operates under Minnesota lending statutes and a Minnesota supervisor. If debt is already a strain, a nonprofit credit counsellor can help St. Anthony residents before they take on more.

St. Anthony: population, trend and location

Only a few things actually differ by place — population, area, location, and the Minnesota rules a lender must follow — and they are below.

Land, water and location for St. Anthony

The Census Gazetteer records about 0.5 square miles of land within St. Anthony, with no significant water area listed. With 92 residents, the land area yields roughly 187 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 82 miles away. Within 50 miles of St. Anthony there are 96 larger Census places. The 100-mile radius contains 414 larger places.

The state rulebook for St. Anthony

This table holds the Minnesota rate and licensing rules for consumer loans made to St. Anthony's 92 residents.

RuleDetailSource
State lending regulatorMinnesota 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 statusLegal 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

Before you apply in St. Anthony

Complete these steps first when you borrow in St. Anthony (92 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a Minnesota licence by checking the regulator named above.
  5. Test the payment against your current bills before you commit.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Borrow only what the purpose requires, not the maximum you are offered.

What differs between St. Anthony and the rest of Minnesota is not the process but the borrower's own file, among the 92 people here.

What a St. Anthony borrower is actually offered

St. Anthony is a small community of about 92 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 St. Anthony. Because the payment is fixed, the total cost of a St. Anthony loan is knowable in advance — unlike a revolving card balance.

What is available to St. Anthony borrowers

St. Anthony is lightly settled, with about 187 people per square mile and 96 larger places within 50 miles. A Minnesota licence lets a lender serve St. Anthony without a local office, so branch density does not change what its 92 residents are offered. The nearest larger city, Freeport, MN about 4 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in St. Anthony if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in St. Anthony is the same as anywhere in Minnesota.
What loan size can I expect in St. Anthony?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in St. Anthony?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in St. Anthony cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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