Personal loans in Wilder, MN
The roughly 57 people who live in Wilder borrow under Minnesota rules; city hall sets no personal-loan rate. Lenders active in Wilder report to a Minnesota supervisor, identified in the sourced rows below.
Roughly 57 residents live in Wilder, the 817th-largest community in Minnesota. Verify the lender's Minnesota licence against the regulator named below before borrowing in Wilder. From the 2020 Census base to the 2023 estimate, the population declined by about 1.7%. The nearest larger city is Windom, MN about 5 miles away.
Where Wilder stands
What follows is Wilder's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.
- Population: 57 residents; Wilder is the 817th-largest of 853 places in Minnesota (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.7% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
- Size percentile: about 4% of Minnesota communities are smaller than Wilder (57 residents).
- Density: the Census land area of 0.8 sq mi holds about 72 people per square mile.
- Land area rank: Wilder's 0.8 square miles rank 596th of 853 places in Minnesota.
- State population share: Wilder accounts for about 0.0% of everyone in Minnesota.
- National rank: Wilder is the 18,884th most populous of the 19,457 Census places covered here.
- Growth rank: Wilder ranks 586th among Minnesota's 853 places for the 2020-to-2023 change.
- Versus Minnesota: the state average change is +0.1%, while Wilder moved 1.7%.
- Density in Minnesota: Wilder ranks 798th by people per square mile.
- Against the state median: Wilder runs about 72 residents per square mile, where the Minnesota median is 607.
- Location: coordinates 43.8289, -95.2078 (US Census Bureau Gazetteer).
- Nearest larger cities: Windom (5 mi); Heron Lake (6 mi); Okabena (8 mi); Bingham Lake (10 mi); Lakefield (11 mi). Living near a larger metro rarely changes what is available in Wilder.
- Smaller places nearby: Kinbrae (13 mi); Dovray (23 mi); Hadley (34 mi).
- Within a 50-mile radius: 5 smaller Census places.
- At 100 miles: 417 larger Census places fall inside that radius.
The Wilder borrowing checklist
These steps shape the offer you get in Wilder, a place of about 57 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Test your amount and term in the personal loan calculator first.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the Minnesota regulator's licence records before you sign.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
In Wilder as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 57 residents.
Getting a loan in Wilder
Wilder is sparsely settled, with about 72 people per square mile and 100 larger places within 50 miles. What is available to Wilder's 57 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Windom, MN about 5 miles away.
How Minnesota law applies in Wilder
This table holds the Minnesota rate and licensing rules for consumer loans made to Wilder's 57 residents.
| 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 |
| Payday lending status | Legal 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 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 |
Wilder in state context
Set beside Minnesota's 853 places, Wilder ranks 817th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Wilder stands 586th among Minnesota's 853 places — roughly the 31th percentile. Its roughly 72 residents per square mile place it 798th among Minnesota's places. By land area, its 0.8 square miles rank 596th of 853 places in Minnesota.
Wilder on the map
The Census Gazetteer records about 0.8 square miles of land within Wilder, with no significant water area listed. The resulting density is about 72 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 124 miles. Within 50 miles of Wilder there are 100 larger Census places. By land area it ranks 596th of 853 Minnesota places.
Common questions
What are my options in Wilder if my credit is poor?
What loan size can I expect in Wilder?
Do I have to pledge anything to borrow in Wilder?
Does comparing loans in Wilder cost me credit score points?
Nearby places
- Windom, MN — population 4,797
- Heron Lake, MN — population 591
- Okabena, MN — population 207
- Lakefield, MN — population 1,717
- Bingham Lake, MN — population 138
- Jeffers, MN — population 340
- Storden, MN — population 215
- Dundee, MN — population 75