Personal loans in White Bear Lake, MN

White Bear Lake is one of 853 Census places in Minnesota; its 23,363 residents put it at 46th. Pull your credit reports and line up at least three offers before you apply from White Bear Lake. A lender that serves White Bear Lake operates under Minnesota lending statutes and a Minnesota supervisor. A larger market lies at Maplewood, MN about 3 miles away.

What the Census records for White Bear Lake

What follows is White Bear Lake's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.

• Population: the Census counts 23,363 residents in White Bear Lake (Vintage 2023 subcounty estimate), the 46th-largest figure among Minnesota's 853 places.
• Population trend: A decline of about 6.1% across the 2020-to-2023 comparison.
• Net change: roughly 1,507 fewer people than the 2020 Census counted.
• Size percentile: with 23,363 residents, White Bear Lake is larger than about 95% of Minnesota's Census places.
• Population density: about 2,904 people per square mile (Census land area 8.0 sq mi).
• By land area: White Bear Lake ranks 126th among Minnesota's 853 places, at 8.0 sq mi.
• Water area rank: White Bear Lake ranks 120th among Minnesota's 853 places, with 0.59 sq mi.
• Within Minnesota: about 0.5% of the state's population lives in White Bear Lake.
• National rank: White Bear Lake sits 1,668th by population among the 19,457 places in this dataset.
• Growth rank: White Bear Lake ranks 844th among Minnesota's 853 places for the 2020-to-2023 change.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against White Bear Lake's 6.1%.
• Density rank: White Bear Lake places 31st among Minnesota's places by people per square mile.
• Against the state median: White Bear Lake runs about 2,904 residents per square mile, where the Minnesota median is 607.
• Location: the Census Gazetteer records it at 45.0652, -93.0129.
• Nearest larger cities: Maplewood (3 mi); Oakdale (6 mi); Shoreview (6 mi); Roseville (8 mi); St. Paul (9 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Gem Lake (1 mi); Birchwood Village (2 mi); Mahtomedi (2 mi).
• Smaller places within 50 miles: 176 of them.
• Larger places within 100 miles: 44.

White Bear Lake: area, density and distance

Inside White Bear Lake's boundaries lie roughly 8.0 square miles of land and 0.59 square miles of water. Spread across it are roughly 2,904 residents per square mile. Minneapolis, the largest place in Minnesota, is about 14 miles from White Bear Lake. White Bear Lake has 36 larger places within a 50-mile radius. By land area it ranks 126th of 853 Minnesota places.

How lenders reach White Bear Lake

With about 2,904 residents per square mile, White Bear Lake is fairly dense, and 36 larger Census places sit within 50 miles. What is available to White Bear Lake's 23,363 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Maplewood, MN about 3 miles away.

Which Minnesota laws govern a loan in White Bear Lake

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

The anatomy of a White Bear Lake personal loan

In White Bear Lake, a smaller city of about 23,363, 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 White Bear Lake lender to disclose the APR and finance charge before you sign. Shortening the term on a White Bear Lake loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How White Bear Lake compares across Minnesota

Among Minnesota's 853 places, White Bear Lake sits at 46th for population, a share of roughly 0.5% of the state. For population change between 2020 and 2023, White Bear Lake ranks 844th of 853 in Minnesota (about the 1th percentile). By density, at about 2,904 people per square mile, it ranks 31st in Minnesota. Within 50 miles sit 176 smaller Census places, alongside the 36 that are larger.