Personal loans in St. Rosa, MN

State law, not city hall, decides what a lender may do to St. Rosa's roughly 59 residents, and a state regulator supervises it. By population, St. Rosa sits at 813th in Minnesota, with an estimated 59 residents. St.

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

Compare loan offers Run the numbers first

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.

Rosa is a small community in Minnesota, with an estimated 59 residents, and every licensed lender here follows the same state rulebook. A 2020-to-2023 comparison shows St. Rosa up by about 3.5%. Verify the lender's Minnesota licence against the regulator named below before borrowing in St. Rosa. The next larger city is Freeport, MN about 5 miles away.

Local context for St. Rosa

Most of what governs a St. Rosa loan is written in Minnesota law rather than in the city; the sourced notes below make that split concrete.

How Minnesota law applies in St. Rosa

These are Minnesota's sourced lending facts as they reach St. Rosa's 59 residents; the state has no city-level rate rule.

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
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
Small-loan / installment lender licensingRegulated loan license required from the commissioner for loans within the Chapter 56 threshold (Minn. Stat. § 56.01)
Source says: "without first obtaining a license from the commissioner, no person shall engage in the business of making loans of money"		Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16

How a St. Rosa personal loan is priced

In St. Rosa, a small community of about 59, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a St. Rosa lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a St. Rosa loan but raises total interest, so the smallest payment is not the cheapest loan.

Where St. Rosa sits

St. Rosa's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 160 residents per square mile. The largest place in Minnesota, Minneapolis, lies about 88 miles away. Counting outward 50 miles, 103 larger communities surround St. Rosa. The 100-mile radius contains 418 larger places.

St. Rosa against the rest of Minnesota

St. Rosa is the 813th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 101st of 853 Minnesota places, putting it near the 88th percentile for growth. Its roughly 160 residents per square mile place it 709th among Minnesota's places. The population moved by about 2 people between 2020 and 2023, a 3.5% shift.

What to do before borrowing in St. Rosa

These steps shape the offer you get in St. Rosa, a place of about 59 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Make sure the lender appears in the Minnesota regulator's licence list.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

What differs between St. Rosa and the rest of Minnesota is not the process but the borrower's own file, among the 59 people here.

Compare personal loan offers Run the numbers first

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. Rosa 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. Rosa is the same as anywhere in Minnesota.
What loan size can I expect in St. Rosa?
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. Rosa?
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. Rosa 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.

Nearby places

Related