Personal loans in Perley, MN

Roughly 108 residents live in Perley, the 745th-largest community in Minnesota. Judge Perley offers on total cost, not on how quickly the money arrives. Which products a lender may offer to Perley's 108 residents follows from the Minnesota consumer-lending framework. For a bigger market, look to Hendrum, MN about 6 miles away.

Local context for Perley

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

• Population: an estimated 108 residents, 745th of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 2.7% from 2020 to 2023.
• Net change: roughly 3 fewer people than the 2020 Census counted.
• Size percentile: Perley sits ahead of around 13% of Minnesota places, at 108 people.
• Density: roughly 437 residents per square mile, spread over 0.2 sq mi of land.
• Land area rank: Perley's 0.2 square miles rank 808th of 853 places in Minnesota.
• Within Minnesota: about 0.0% of the state's population lives in Perley.
• National rank: Perley is 18,002nd of 19,457 places nationwide.
• Growth rank: Perley's 2020-to-2023 change ranks 714th of 853 places in Minnesota.
• Against the state trend: Perley's 2.7% change compares with a Minnesota average of +0.1% across its 853 places.
• Density in Minnesota: Perley ranks 524th by people per square mile.
• Density vs Minnesota: Perley's 437 people per square mile compare with a state median of 607.
• Location: 47.1762 / -96.8015, per the US Census Bureau Gazetteer.
• Nearest larger cities: Hendrum (6 mi); Gardner (8 mi); Grandin (10 mi); Argusville (11 mi); Halstad (12 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Georgetown (7 mi); Borup (14 mi); North River (16 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 15 smaller Census places.
• At 100 miles: 167 larger Census places fall inside that radius.

What is available to Perley borrowers

Perley is lightly settled, with about 437 people per square mile and 60 larger places within 50 miles. A Minnesota licence lets a lender serve Perley without a local office, so branch density does not change what its 108 residents are offered. The nearest bigger place is Hendrum, MN about 6 miles away.

Steps to take before a Perley loan

Complete these steps first when you borrow in Perley (108 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a Minnesota licence by checking the regulator named above.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Make sure the new payment leaves room in a budget you already keep.

In Perley as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 108 residents.

How a Perley personal loan is priced

Most loans made to Perley's 108 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Perley's rank of 745th in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Perley loan is knowable in advance — unlike a revolving card balance.

What Minnesota law requires in Perley

Minnesota has no separate rate rule for Perley; the sourced rows below are what reach every lender that serves its 108 people.

Perley on the map

The Census Gazetteer records about 0.2 square miles of land within Perley, with no significant water area listed. That land carries about 437 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 228 miles. Counting outward 50 miles, 60 larger communities surround Perley. Within the same 50 miles lie 15 smaller Census places.