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%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorMinnesota 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 licensingRegulated 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 requirementRequired 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Annandale if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Annandale is the same as anywhere in Minnesota.
What loan size can I expect in Annandale?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Annandale?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Annandale cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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