Personal loans in St. Augusta, MN
With roughly 3,678 residents, St. Augusta is a small community, and the lending rules its borrowers live under are written in Minnesota, not by the city. Every figure below is Minnesota's own, applied to St.
Augusta's 3,678 residents, with the publisher and retrieval date attached. With an estimated 3,678 residents, St. Augusta is the 191st-largest of 853 places in Minnesota. Read the disclosure for an origination fee and any prepayment penalty before signing in St. Augusta. A 2020-to-2023 comparison shows St. Augusta up by about 5.2%. A larger market lies at St. Cloud, MN about 5 miles away.
St. Augusta by the numbers
What follows is St. Augusta's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.
- Population: about 3,678 people live here, which puts St. Augusta 191st of 853 Census places in Minnesota (Vintage 2023).
- Population trend: Up about 5.2% from the 2020 Census base to the 2023 estimate.
- Absolute change: 181 residents added between 2020 and 2023.
- Size percentile: about 78% of Minnesota's Census places are smaller than St. Augusta.
- Land and density: 29.7 square miles of land carry roughly 124 residents per square mile.
- Land area rank: St. Augusta's 29.7 square miles rank 41st of 853 places in Minnesota.
- Water: St. Augusta holds about 0.15 square miles, the 210th-largest water area in Minnesota.
- Within Minnesota: about 0.1% of the state's population lives in St. Augusta.
- Nationally: St. Augusta is the 5,680th-largest of 19,457 Census places in the dataset.
- Growth rank: St. Augusta's 2020-to-2023 change ranks 72nd of 853 places in Minnesota.
- Against the state trend: St. Augusta's 5.2% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: St. Augusta places 743rd among Minnesota's places by people per square mile.
- Density vs Minnesota: St. Augusta's 124 people per square mile compare with a state median of 607.
- Location: 45.4502, -94.1938 (Census Gazetteer coordinates).
- Nearest larger cities: St. Cloud (5 mi); Waite Park (5 mi); St. Joseph (10 mi); Sauk Rapids (10 mi); Cold Spring (11 mi). Larger metros often have more branches, but online lenders reach St. Augusta on the same terms.
- Smaller communities within reach: Rockville (6 mi); Clearwater (8 mi); Clear Lake (9 mi).
- Within a 50-mile radius: 91 smaller Census places.
- At 100 miles: 156 larger Census places fall inside that radius.
Lender access in St. Augusta
With about 124 residents per square mile, St. Augusta is lightly settled, and 57 larger Census places sit within 50 miles. A Minnesota licence lets a lender serve St. Augusta without a local office, so branch density does not change what its 3,678 residents are offered. The nearest larger city, St. Cloud, MN about 5 miles away.
How a St. Augusta personal loan is priced
With roughly 3,678 residents, St. Augusta is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in St. Augusta can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a St. Augusta loan is knowable in advance — unlike a revolving card balance.
St. Augusta in state context
Set beside Minnesota's 853 places, St. Augusta ranks 191st by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, St. Augusta stands 72nd among Minnesota's 853 places — roughly the 92th percentile. At about 124 people per square mile, St. Augusta is the 743rd most densely settled place in Minnesota. By land area, its 29.7 square miles rank 41st of 853 places in Minnesota.
The Minnesota lending rules that reach St. Augusta
When Minnesota does not publish a figure, the row links to the source instead of inventing a number; St. Augusta is bound by the same rules.
| 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 |
The geography behind St. Augusta
St. Augusta's land area is about 29.7 square miles; a further 0.15 square miles is water. With 3,678 residents, the land area yields roughly 124 people per square mile. The largest place in Minnesota, Minneapolis, lies about 56 miles away. St. Augusta has 57 larger places within a 50-mile radius. Within the same 50 miles lie 91 smaller Census places.
Common questions
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Nearby places
- St. Cloud, MN — population 71,013
- Waite Park, MN — population 8,396
- Rockville, MN — population 2,426
- Sauk Rapids, MN — population 13,775
- Clearwater, MN — population 2,106
- St. Joseph, MN — population 6,788
- South Haven, MN — population 183
- Sartell, MN — population 19,726