Personal loans in Dilworth, MN

Dilworth is a small community in Minnesota, with an estimated 4,772 residents, and every licensed lender here follows the same state rulebook. Read the disclosure for an origination fee and any prepayment penalty before signing in Dilworth. Rate ceilings, licensing requirements and product limits for Dilworth are all set at the Minnesota level. Population in Dilworth climbed about 3.6% over the three years from 2020 to 2023. The nearest larger city is Moorhead, MN about 2 miles away.

What the Census records for Dilworth

Two layers matter for a Dilworth borrower: the local population picture and Minnesota's consumer-lending statutes.

• Population: about 4,772 people live here, which puts Dilworth 160th of 853 Census places in Minnesota (Vintage 2023).
• Population trend: A rise of about 3.6% from 2020 to 2023.
• Net change: roughly 166 more people than the 2020 Census counted.
• Size percentile: roughly 81% of Minnesota places rank below Dilworth.
• Land and density: 3.5 square miles of land carry roughly 1,379 residents per square mile.
• By land area: Dilworth ranks 221st among Minnesota's 853 places, at 3.5 sq mi.
• State share: roughly 0.1% of Minnesota's residents live in Dilworth (4,772 people).
• National rank: Dilworth sits 4,969th by population among the 19,457 places in this dataset.
• Growth in Minnesota: Dilworth stands 98th by percentage change from 2020 to 2023, among 853 places.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Dilworth's 3.6%.
• Density rank: Dilworth is the 164th most densely settled place in Minnesota.
• Against the state median: Dilworth runs about 1,379 residents per square mile, where the Minnesota median is 607.
• Location: latitude 46.8789, longitude -96.6962 (Census Gazetteer).
• Nearest larger cities: Moorhead (2 mi); Fargo (6 mi); West Fargo (10 mi); Horace (13 mi); Detroit Lakes (40 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities close by: Glyndon (6 mi); Sabin (7 mi); North River (7 mi), each with its own Census population profile.
• Smaller neighbours: 73 places smaller than Dilworth sit within 50 miles.
• At 100 miles: 16 larger Census places fall inside that radius.

Lender access in Dilworth

With about 1,379 residents per square mile, Dilworth is moderately settled, and 6 larger Census places sit within 50 miles. A Minnesota licence lets a lender serve Dilworth without a local office, so branch density does not change what its 4,772 residents are offered. The nearest larger city, Moorhead, MN about 2 miles away.

The geography behind Dilworth

Dilworth covers about 3.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 4,772 residents, the land area yields roughly 1,379 people per square mile. The largest place in Minnesota, Minneapolis, lies about 211 miles away. Counting outward 50 miles, 6 larger communities surround Dilworth. Within the same 50 miles lie 73 smaller Census places.

The Dilworth borrowing checklist

These steps shape the offer you get in Dilworth, a place of about 4,772 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
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. Look the lender up in the Minnesota regulator's licence records before you sign.
5. Test the payment against your current bills before you commit.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Keep the amount to the expense; an approval is not a reason to take more.

What differs between Dilworth and the rest of Minnesota is not the process but the borrower's own file, among the 4,772 people here.

The anatomy of a Dilworth personal loan

Most loans made to Dilworth's 4,772 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Dilworth. Shortening the term on a Dilworth loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Which Minnesota laws govern a loan in Dilworth

This table holds the Minnesota rate and licensing rules for consumer loans made to Dilworth's 4,772 residents.