Personal loans in Lynd, MN

Roughly 429 residents live in Lynd, the 521st-largest community in Minnesota. From the 2020 Census base to the 2023 estimate, the population declined by about 1.6%.

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.

Lynd is a small community in Minnesota, with an estimated 429 residents, and every licensed lender here follows the same state rulebook. Which products a lender may offer to Lynd's 429 residents follows from the Minnesota consumer-lending framework. Compare APR, not the interest rate, because the APR folds in most fees on a Lynd loan. Borrowers who want a bigger city can look to Marshall, MN about 5 miles away.

The Lynd data picture

Only a few things actually differ by place — population, area, location, and the Minnesota rules a lender must follow — and they are below.

Minnesota consumer-lending rules applied in Lynd

These are Minnesota's sourced lending facts as they reach Lynd's 429 residents; the state has no city-level rate rule.

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
Payday lending statusLegal and licensed; APR capped at 36%, or up to 50% with an ability-to-repay analysis (Minn. Stat. §§ 47.60, 47.601, 47.603)
Source says: "The cap on that annual percentage rate is set at either 36%, or up to 50% if the lender conducts an ability to repay analysis"
Minnesota Department of Commerce
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

How Lynd compares across Minnesota

Within Minnesota, Lynd holds roughly 0.0% of all residents, the 521st-largest share among 853 places. On the 2020-to-2023 trend, Lynd stands 568th among Minnesota's 853 places — roughly the 33th percentile. By density, at about 371 people per square mile, it ranks 562nd in Minnesota. In land area, Lynd ranks 463rd among Minnesota's 853 places.

What is available to Lynd borrowers

Lynd is a lightly settled community of about 429 people, with 40 larger places inside a 50-mile radius. Whether Lynd has a local branch or not, a Minnesota-licensed lender can serve its 429 people online on the same terms. The nearest larger city, Marshall, MN about 5 miles away.

What a Lynd borrower is actually offered

Lynd is a small community of about 429 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Lynd's 429 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Lynd loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Land, water and location for Lynd

The Census Gazetteer records about 1.2 square miles of land within Lynd, with no significant water area listed. Spread across it are roughly 371 residents per square mile. The largest place in Minnesota, Minneapolis, lies about 134 miles away. Lynd has 40 larger places within a 50-mile radius. By land area it ranks 463rd of 853 Minnesota places.

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 Lynd 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 Lynd is the same as anywhere in Minnesota.
What loan size can I expect in Lynd?
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 Lynd?
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 Lynd 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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