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.
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.
- Population: the Census counts 92 residents in St. Anthony (Vintage 2023 subcounty estimate), the 765th-largest figure among Minnesota's 853 places.
- Population trend: No meaningful shift since the 2020 count.
- Size percentile: roughly 10% of Minnesota places rank below St. Anthony.
- Population density: about 187 people per square mile (Census land area 0.5 sq mi).
- Land area: St. Anthony covers 0.5 square miles, the 694th-largest area among Minnesota's 853 places.
- Share of Minnesota: St. Anthony holds about 0.0% of the state's population, some 92 people.
- National rank: St. Anthony sits 18,270th by population among the 19,457 places in this dataset.
- Growth rank: St. Anthony's 2020-to-2023 change ranks 337th of 853 places in Minnesota.
- Against the state trend: St. Anthony's 0.0% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: St. Anthony places 688th among Minnesota's places by people per square mile.
- Density vs Minnesota: St. Anthony's 187 people per square mile compare with a state median of 607.
- Location: coordinates 45.6890, -94.6116 (US Census Bureau Gazetteer).
- Nearest larger cities: Freeport (4 mi); Albany (5 mi); Holdingford (7 mi); New Munich (8 mi); Upsala (9 mi). Larger metros often have more branches, but online lenders reach St. Anthony on the same terms.
- Smaller communities close by: St. Rosa (6 mi); Spring Hill (16 mi); Lake Henry (18 mi), each with its own Census population profile.
- Smaller places within 50 miles: 11 of them.
- Within 100 miles: 414 places are larger than St. Anthony.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Minnesota 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 status | Legal 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):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the lender holds a Minnesota licence by checking the regulator named above.
- Test the payment against your current bills before you commit.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- 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.
Common questions
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Nearby places
- Freeport, MN — population 678
- Albany, MN — population 2,832
- St. Rosa, MN — population 59
- Upsala, MN — population 482
- Holdingford, MN — population 738
- New Munich, MN — population 363
- Avon, MN — population 1,693
- Elmdale, MN — population 116