Personal loans in Chatfield, MN

Price two or three terms so you can see which payment is truly affordable in Chatfield. Rate ceilings, licensing requirements and product limits for Chatfield are all set at the Minnesota level. Census figures put the 2020-to-2023 decrease in Chatfield at about 0.2%. A larger market lies at St. Charles, MN about 11 miles away.

Local context for Chatfield

Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.

• Population: about 2,993 people live here, which puts Chatfield 213th of 853 Census places in Minnesota (Vintage 2023).
• Population trend: Roughly 0.2% fewer residents than the 2020 Census counted.
• People gained or lost: about 7 fewer since the 2020 base.
• Size percentile: roughly 75% of Minnesota's places have fewer residents than Chatfield's 2,993.
• Population density: about 1,156 people per square mile (Census land area 2.6 sq mi).
• Land area: Chatfield covers 2.6 square miles, the 282nd-largest area among Minnesota's 853 places.
• Within Minnesota: about 0.1% of the state's population lives in Chatfield.
• National rank: Chatfield is 6,293rd of 19,457 places nationwide.
• Growth rank: Chatfield's 2020-to-2023 change ranks 370th of 853 places in Minnesota.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Chatfield's 0.2%.
• Density rank: Chatfield places 216th among Minnesota's places by people per square mile.
• Against the state median: Chatfield runs about 1,156 residents per square mile, where the Minnesota median is 607.
• Location: 43.8445, -92.1829 (Census Gazetteer coordinates).
• Nearest larger cities: St. Charles (11 mi); Stewartville (15 mi); Rochester (19 mi); Plainview (22 mi); Byron (26 mi). Larger metros often have more branches, but online lenders reach Chatfield on the same terms.
• Smaller places nearby: Fountain (7 mi); Dover (9 mi); Eyota (10 mi).
• Smaller places within 50 miles: 85 of them.
• Within 100 miles: 130 places are larger than Chatfield.

Chatfield in state context

Within Minnesota, Chatfield holds roughly 0.1% of all residents, the 213th-largest share among 853 places. Its 2020-to-2023 change ranks 370th of 853 Minnesota places, putting it near the 57th percentile for growth. By density, at about 1,156 people per square mile, it ranks 216th in Minnesota. Between 2020 and 2023 the count changed by roughly 7 residents.

How Minnesota law applies in Chatfield

This table holds the Minnesota rate and licensing rules for consumer loans made to Chatfield's 2,993 residents.

Land, water and location for Chatfield

The Census Gazetteer records about 2.6 square miles of land within Chatfield, with no significant water area listed. The resulting density is about 1,156 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 94 miles away. A 50-mile radius around Chatfield takes in 20 places that are larger. The 100-mile radius contains 130 larger places.

Steps to take before a Chatfield loan

Before you apply in Chatfield, a community of about 2,993, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the Minnesota licence with the regulator named above before committing.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Chatfield-specific: the same Minnesota licensing and disclosure rules reach all 2,993 residents.

What shapes a Chatfield personal loan

With roughly 2,993 residents, Chatfield is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Chatfield's 2,993 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Chatfield loan but raises total interest, so the smallest payment is not the cheapest loan.