Personal loans in Utica, MN

The roughly 258 people who live in Utica borrow under Minnesota rules; city hall sets no personal-loan rate. Work out your debt-to-income ratio first; lenders weigh it heavily, and Utica's 258 residents are no exception. Lenders active in Utica report to a Minnesota supervisor, identified in the sourced rows below. Borrowers who want a bigger city can look to Lewiston, MN about 4 miles away.

Utica: the sourced local profile

Two layers matter for a Utica borrower: the local population picture and Minnesota's consumer-lending statutes.

• Population: a Census-estimated 258, 611th among Minnesota's 853 places (Vintage 2023).
• Population trend: A decline of about 2.3% across the 2020-to-2023 comparison.
• Net change: roughly 6 fewer people than the 2020 Census counted.
• Size percentile: Utica sits ahead of around 28% of Minnesota places, at 258 people.
• Land and density: 1.0 square miles of land carry roughly 261 residents per square mile.
• Land area: Utica covers 1.0 square miles, the 534th-largest area among Minnesota's 853 places.
• Share of state population: Utica's 258 residents are about 0.0% of Minnesota.
• National rank: Utica sits 15,654th by population among the 19,457 places in this dataset.
• Growth rank: Utica ranks 655th among Minnesota's 853 places for the 2020-to-2023 change.
• Versus Minnesota: the state average change is +0.1%, while Utica moved 2.3%.
• Density rank: Utica is the 640th most densely settled place in Minnesota.
• Density in context: Utica's 261 people per square mile sit against a Minnesota median of 607.
• Location: 43.9772 / -91.9495, per the US Census Bureau Gazetteer.
• Nearest larger cities: Lewiston (4 mi); St. Charles (5 mi); Altura (6 mi); Dover (9 mi); Stockton (10 mi). Online lenders reach Utica no matter how far the nearest branch is.
• Smaller communities close by: Elba (8 mi); Minnesota City (13 mi); Peterson (14 mi), each with its own Census population profile.
• Within a 50-mile radius: 20 smaller Census places.
• Within 100 miles: 381 places are larger than Utica.

Getting a loan in Utica

At roughly 261 people per square mile, Utica is lightly settled; 86 larger places lie within 50 miles. Lenders licensed in Minnesota reach Utica's 258 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Lewiston, MN about 4 miles away.

The state rulebook for Utica

Minnesota has no separate rate rule for Utica; the sourced rows below are what reach every lender that serves its 258 people.

The geography behind Utica

Utica covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 261 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 94 miles away. Counting outward 50 miles, 86 larger communities surround Utica. By land area it ranks 534th of 853 Minnesota places.

Where Utica sits in Minnesota

Against Minnesota's other places, Utica accounts for about 0.0% of the state's population and ranks 611th of 853 by size. Its 2020-to-2023 change ranks 655th of 853 Minnesota places, putting it near the 23th percentile for growth. At about 261 people per square mile, Utica is the 640th most densely settled place in Minnesota. In land area, Utica ranks 534th among Minnesota's 853 places.

How a Utica personal loan is priced

Most loans made to Utica's 258 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Utica loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Utica decides the split between a comfortable payment and the total interest you pay.