Personal loans in St. Stephen, MN

Stephen counts about 803 people, and what is genuinely local about borrowing here is limited — Minnesota law does the governing. A single loan can carry different costs on either side of a state line, and St. Stephen sits on the Minnesota side of that line. Judge St. Stephen offers on total cost, not on how quickly the money arrives. The nearest larger city is Rice, MN about 4 miles away.

St. Stephen by the numbers

Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.

• Population: 803 people, a figure that places St. Stephen 392nd among the 853 Census places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 0.9% since the 2020 count.
• Net change: roughly 7 more people than the 2020 Census counted.
• Size percentile: about 54% of Minnesota's Census places are smaller than St. Stephen.
• Land and density: 3.7 square miles of land carry roughly 216 residents per square mile.
• Land area: St. Stephen covers 3.7 square miles, the 207th-largest area among Minnesota's 853 places.
• Within Minnesota: about 0.0% of the state's population lives in St. Stephen.
• National rank: St. Stephen sits 11,179th by population among the 19,457 places in this dataset.
• Growth in Minnesota: St. Stephen stands 250th by percentage change from 2020 to 2023, among 853 places.
• Against the state trend: St. Stephen's 0.9% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: St. Stephen is the 666th most densely settled place in Minnesota.
• Density vs Minnesota: St. Stephen's 216 people per square mile compare with a state median of 607.
• Location: 45.7010, -94.2742 (US Census Bureau Gazetteer).
• Nearest larger cities: Rice (4 mi); Sartell (6 mi); Royalton (9 mi); Sauk Rapids (9 mi); St. Joseph (9 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities close by: Holdingford (10 mi); Bowlus (10 mi); Elmdale (14 mi), each with its own Census population profile.
• Smaller neighbours: 51 places smaller than St. Stephen sit within 50 miles.
• At 100 miles: 268 larger Census places fall inside that radius.

The state rulebook for St. Stephen

These are Minnesota's sourced lending facts as they reach St. Stephen's 803 residents; the state has no city-level rate rule.

How lenders reach St. Stephen

St. Stephen is lightly settled, with about 216 people per square mile and 59 larger places within 50 miles. What is available to St. Stephen's 803 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Rice, MN about 4 miles away.

Land, water and location for St. Stephen

St. Stephen's land area is roughly 3.7 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 216 residents per square mile. The state's population centre of gravity, Minneapolis, is roughly 71 miles away. Within 50 miles of St. Stephen there are 59 larger Census places. Within the same 50 miles lie 51 smaller Census places.

St. Stephen in state context

Within Minnesota, St. Stephen holds roughly 0.0% of all residents, the 392nd-largest share among 853 places. For population change between 2020 and 2023, St. Stephen ranks 250th of 853 in Minnesota (about the 71th percentile). At about 216 people per square mile, St. Stephen is the 666th most densely settled place in Minnesota. The population moved by about 7 people between 2020 and 2023, a 0.9% shift.

Before you apply in St. Stephen

Before you apply in St. Stephen, a community of about 803, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Minnesota licence with the regulator listed on this page.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is St. Stephen-specific: the same Minnesota licensing and disclosure rules reach all 803 residents.