Personal loans in Vergas, MN

An estimated 354 people make their home in Vergas, a figure that ranks 557th in Minnesota. Use the calculator on this page to price an amount and term before you commit in Vergas. State law, not city hall, decides what a lender may do to Vergas's roughly 354 residents, and a state regulator supervises it. The next larger city is Frazee, MN about 7 miles away.

Borrowing in Vergas: the local picture

Only a few things actually differ by place — population, area, location, and the Minnesota rules a lender must follow — and they are below.

• Population: 354 residents; Vergas is the 557th-largest of 853 places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 2.3%.
• Net change: roughly 8 more people than the 2020 Census counted.
• Size percentile: about 35% of Minnesota communities are smaller than Vergas (354 residents).
• Population density: about 226 people per square mile across 1.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Vergas's 1.6 square miles rank 377th of 853 places in Minnesota.
• Water: Vergas holds about 0.04 square miles, the 306th-largest water area in Minnesota.
• State population share: Vergas accounts for about 0.0% of everyone in Minnesota.
• National rank: Vergas is the 14,560th most populous of the 19,457 Census places covered here.
• Growth rank: Vergas's 2020-to-2023 change ranks 156th of 853 places in Minnesota.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Vergas's 2.3%.
• Density rank: Vergas places 659th among Minnesota's places by people per square mile.
• Density vs Minnesota: Vergas's 226 people per square mile compare with a state median of 607.
• Location: coordinates 46.6488, -95.8021 (US Census Bureau Gazetteer).
• Nearest larger cities: Frazee (7 mi); Detroit Lakes (11 mi); Perham (11 mi); Pelican Rapids (15 mi); Audubon (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: Dent (8 mi); Richville (13 mi); Erhard (18 mi).
• Within a 50-mile radius: 32 smaller Census places.
• Larger places within 100 miles: 138.

The geography behind Vergas

Vergas covers about 1.6 square miles of land, with 0.04 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 226 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 169 miles. Within 50 miles of Vergas there are 39 larger Census places. The 100-mile radius contains 138 larger places.

How Vergas compares across Minnesota

Set beside Minnesota's 853 places, Vergas ranks 557th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 156th of 853 Minnesota places, putting it near the 82th percentile for growth. At about 226 people per square mile, Vergas is the 659th most densely settled place in Minnesota. By land area, its 1.6 square miles rank 377th of 853 places in Minnesota.

Minnesota rules behind a Vergas personal loan

Read the table as a lender's compliance picture for Vergas: the rule, the sourced figure, the publisher and the date.

What to do before borrowing in Vergas

Complete these steps first when you borrow in Vergas (354 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Minnesota licence with the regulator listed on this page.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Vergas-specific: the same Minnesota licensing and disclosure rules reach all 354 residents.

What is available to Vergas borrowers

Vergas is a lightly settled community of about 354 people, with 39 larger places inside a 50-mile radius. Whether Vergas has a local branch or not, a Minnesota-licensed lender can serve its 354 people online on the same terms. For a larger market, the closest option is Frazee, MN about 7 miles away.