Personal loans in Annandale, MN
The Census estimates 3,424 residents in Annandale, which ranks it 201st of 853 places in Minnesota. A 2020-to-2023 comparison shows Annandale up by about 2.7%.
In Annandale, one of 853 Census places in Minnesota, the figure to compare across lenders is the APR, not the advertised rate. A lender that serves Annandale operates under Minnesota lending statutes and a Minnesota supervisor. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Annandale loan. The next larger city is St. Augusta, MN about 14 miles away.
Annandale: the sourced local profile
Annandale is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 3,424 residents in Annandale (Vintage 2023 subcounty estimate), the 201st-largest figure among Minnesota's 853 places.
- Population trend: Up about 2.7% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 91 more people than the 2020 Census counted.
- Size percentile: about 76% of Minnesota's Census places are smaller than Annandale.
- Land and density: 3.2 square miles of land carry roughly 1,069 residents per square mile.
- Land area rank: Annandale's 3.2 square miles rank 239th of 853 places in Minnesota.
- Share of state population: Annandale's 3,424 residents are about 0.1% of Minnesota.
- National rank: Annandale is the 5,889th most populous of the 19,457 Census places covered here.
- Growth rank: Annandale ranks 133rd among Minnesota's 853 places for the 2020-to-2023 change.
- Against the state trend: Annandale's 2.7% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: Annandale is the 247th most densely settled place in Minnesota.
- Against the state median: Annandale runs about 1,069 residents per square mile, where the Minnesota median is 607.
- Location: 45.2596 / -94.1210, per the US Census Bureau Gazetteer.
- Nearest larger cities: St. Augusta (14 mi); Buffalo (14 mi); Becker (14 mi); Monticello (16 mi); Montrose (17 mi). Larger metros often have more branches, but online lenders reach Annandale on the same terms.
- Smaller places close by: South Haven (5 mi); Maple Lake (6 mi); Kimball (10 mi).
- Within a 50-mile radius: 91 smaller Census places.
- Within 100 miles: 167 places are larger than Annandale.
Annandale against the rest of Minnesota
Among Minnesota's 853 places, Annandale sits at 201st for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Annandale stands 133rd among Minnesota's 853 places — roughly the 84th percentile. By density, at about 1,069 people per square mile, it ranks 247th in Minnesota. In land area, Annandale ranks 239th among Minnesota's 853 places.
Inside a Annandale personal loan
Most loans made to Annandale's 3,424 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Annandale's 3,424 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Annandale loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Annandale
Read the table as a lender's compliance picture for Annandale: the rule, the sourced figure, the publisher and the date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Minnesota Department of Commerce (commissioner of commerce) Source says: ""Commissioner" means the commissioner of commerce" | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
| Small-loan / installment lender licensing | Regulated loan license required from the commissioner for loans within the Chapter 56 threshold (Minn. Stat. § 56.01) Source says: "without first obtaining a license from the commissioner, no person shall engage in the business of making loans of money" | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
| Payday ability-to-repay requirement | Required for payday loans with an APR above 36% (Minn. Stat. § 47.603) Source says: "This section applies to all payday loans with an annual percentage rate that exceeds 36 percent." | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
Annandale: area, density and distance
Annandale's land area is roughly 3.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,069 people per square mile. The largest place in Minnesota, Minneapolis, lies about 46 miles away. Counting outward 50 miles, 89 larger communities surround Annandale. By land area it ranks 239th of 853 Minnesota places.
Getting a loan in Annandale
Annandale is moderately settled, with about 1,069 people per square mile and 89 larger places within 50 miles. What is available to Annandale's 3,424 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, St. Augusta, MN about 14 miles away.
Common questions
What are my options in Annandale if my credit is poor?
What loan size can I expect in Annandale?
Do I have to pledge anything to borrow in Annandale?
Does comparing loans in Annandale cost me credit score points?
Nearby places
- South Haven, MN — population 183
- Maple Lake, MN — population 2,209
- Clearwater, MN — population 2,106
- Kimball, MN — population 856
- Cokato, MN — population 2,770
- Kingston, MN — population 185
- St. Augusta, MN — population 3,678
- Howard Lake, MN — population 2,186