Personal loans in Finlayson, MN
With roughly 321 residents, Finlayson is a small community, and the lending rules its borrowers live under are written in Minnesota, not by the city. Roughly 321 residents live in Finlayson, the 576th-largest community in Minnesota.
The 2020 count to the 2023 estimate shows about 8.4% growth in Finlayson. For a community of about 321, the practical step is to compare APR across at least three lenders before committing. Borrowers who want a bigger city can look to Sandstone, MN about 6 miles away. Every figure below is Minnesota's own, applied to Finlayson's 321 residents, with the publisher and retrieval date attached.
Where Finlayson stands
The figures below are Finlayson's own — Census population, land area and coordinates — followed by the Minnesota rules.
- Population: a Census-estimated 321, 576th among Minnesota's 853 places (Vintage 2023).
- Population trend: Growth of about 8.4% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a gain of about 25 residents.
- Size percentile: with 321 residents, Finlayson is larger than about 32% of Minnesota's Census places.
- Land and density: 2.4 square miles of land carry roughly 133 residents per square mile.
- Land area: Finlayson covers 2.4 square miles, the 293rd-largest area among Minnesota's 853 places.
- Water area: Finlayson has 0.11 square miles of water, ranking 242nd of 853 places in Minnesota.
- Share of state population: Finlayson's 321 residents are about 0.0% of Minnesota.
- National standing: Finlayson ranks 14,875th of 19,457 US places.
- Growth in Minnesota: Finlayson stands 29th by percentage change from 2020 to 2023, among 853 places.
- State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Finlayson's 8.4%.
- Density rank: Finlayson places 735th among Minnesota's places by people per square mile.
- Density vs Minnesota: Finlayson's 133 people per square mile compare with a state median of 607.
- Location: mapped by the US Census Bureau at 46.2104, -92.9304.
- Nearest larger cities: Sandstone (6 mi); Askov (7 mi); Willow River (9 mi); Sturgeon Lake (13 mi); Hinckley (14 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Rutledge (4 mi); Denham (10 mi); Bruno (13 mi).
- Smaller neighbours: 20 places smaller than Finlayson sit within 50 miles.
- Larger places within 100 miles: 296.
How a Finlayson personal loan is priced
In Finlayson, a small community of about 321, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Finlayson can be quoted different APRs on the same amount and term. The term you choose in Finlayson decides the split between a comfortable payment and the total interest you pay.
Borrowing reach in Finlayson
Finlayson is a lightly settled community of about 321 people, with 35 larger places inside a 50-mile radius. Distance to a branch rarely matters for Finlayson's 321 residents: the application is online and the price follows your credit file. The nearest bigger place is Sandstone, MN about 6 miles away.
Finlayson against the rest of Minnesota
Against Minnesota's other places, Finlayson accounts for about 0.0% of the state's population and ranks 576th of 853 by size. For population change between 2020 and 2023, Finlayson ranks 29th of 853 in Minnesota (about the 97th percentile). By density, at about 133 people per square mile, it ranks 735th in Minnesota. By land area, its 2.4 square miles rank 293rd of 853 places in Minnesota.
Minnesota rules behind a Finlayson personal loan
For the roughly 321 residents of Finlayson, the rules below are Minnesota's own; each row carries its publisher and retrieval 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 |
Where Finlayson sits
Inside Finlayson's boundaries lie roughly 2.4 square miles of land and 0.11 square miles of water. Spread across it are roughly 133 residents per square mile. The largest place in Minnesota, Minneapolis, lies about 88 miles away. Counting outward 50 miles, 35 larger communities surround Finlayson. By land area it ranks 293rd of 853 Minnesota places.
Common questions
What are my options in Finlayson if my credit is poor?
What loan size can I expect in Finlayson?
Do I have to pledge anything to borrow in Finlayson?
Does comparing loans in Finlayson cost me credit score points?
Nearby places
- Rutledge, MN — population 217
- Sandstone, MN — population 2,473
- Askov, MN — population 333
- Willow River, MN — population 395
- Denham, MN — population 38
- Hinckley, MN — population 1,936
- Sturgeon Lake, MN — population 462
- Bruno, MN — population 86