Personal loans in Stephen, MN

With 578 residents, Stephen outranks about 46% of the communities in Minnesota. The 2020 count to the 2023 estimate shows about 2.4% decline in Stephen. Use the calculator on this page to price an amount and term before you commit in Stephen. The next larger city is Drayton, ND about 16 miles away.

Stephen: population, trend and location

Stephen is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: 578 people, a figure that places Stephen 459th among the 853 Census places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 2.4%.
• Net change: roughly 14 fewer people than the 2020 Census counted.
• Size percentile: bigger than about 46% of the places in Minnesota, with 578 residents in Stephen.
• Population density: about 734 people per square mile (Census land area 0.8 sq mi).
• By land area: Stephen ranks 597th among Minnesota's 853 places, at 0.8 sq mi.
• Share of state population: Stephen's 578 residents are about 0.0% of Minnesota.
• National rank: Stephen is 12,588th of 19,457 places nationwide.
• Growth rank: Stephen's 2020-to-2023 change ranks 665th of 853 places in Minnesota.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Stephen's 2.4%.
• Density rank: Stephen places 375th among Minnesota's places by people per square mile.
• Density vs Minnesota: Stephen's 734 people per square mile compare with a state median of 607.
• Location: coordinates 48.4524, -96.8763 (US Census Bureau Gazetteer).
• Nearest larger cities: Drayton (16 mi); Warren (19 mi); Karlstad (19 mi); Hallock (22 mi); Grafton (24 mi). Online lenders reach Stephen no matter how far the nearest branch is.
• Smaller communities within reach: Donaldson (8 mi); Argyle (8 mi); Kennedy (13 mi).
• Smaller neighbours: 39 places smaller than Stephen sit within 50 miles.
• Within 100 miles: 34 places are larger than Stephen.

Steps to take before a Stephen loan

Before you hand your details to a lender in Stephen, where the population is near 578:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
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. Look for an origination fee or prepayment penalty in the written disclosure.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Stephen as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 578 residents.

Minnesota rules behind a Stephen personal loan

Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Stephen lender must follow.

How Stephen compares across Minnesota

Against Minnesota's other places, Stephen accounts for about 0.0% of the state's population and ranks 459th of 853 by size. On the 2020-to-2023 trend, Stephen stands 665th among Minnesota's 853 places — roughly the 22th percentile. At about 734 people per square mile, Stephen is the 375th most densely settled place in Minnesota. Within 50 miles sit 39 smaller Census places, alongside the 15 that are larger.

Inside a Stephen personal loan

Most loans made to Stephen's 578 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Stephen. The term you choose in Stephen decides the split between a comfortable payment and the total interest you pay.

How lenders reach Stephen

Stephen is moderately settled, with about 734 people per square mile and 15 larger places within 50 miles. Distance to a branch rarely matters for Stephen's 578 residents: the application is online and the price follows your credit file. The nearest bigger place is Drayton, ND about 16 miles away.