Personal loans in Winnebago, MN
The roughly 1,383 people who live in Winnebago borrow under Minnesota rules; city hall sets no personal-loan rate. Lenders active in Winnebago report to a Minnesota supervisor, identified in the sourced rows below.
Winnebago ranks 302nd of 853 places in Minnesota, with a population near 1,383. Decide the purpose of the loan and your repayment plan before sharing any details with a Winnebago lender. A 2020-to-2023 comparison shows Winnebago down by about 0.6%. The closest larger city is Blue Earth, MN about 9 miles away.
The Winnebago data picture
Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.
- Population: about 1,383, ranked 302nd of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 0.6% between 2020 and 2023.
- Net change: roughly 9 fewer people than the 2020 Census counted.
- Size percentile: roughly 65% of Minnesota's places have fewer residents than Winnebago's 1,383.
- Population density: 592 people per square mile on 2.3 square miles of land.
- By land area: Winnebago ranks 295th among Minnesota's 853 places, at 2.3 sq mi.
- State share: roughly 0.0% of Minnesota's residents live in Winnebago (1,383 people).
- National rank: Winnebago is 9,010th of 19,457 places nationwide.
- Growth rank: Winnebago's 2020-to-2023 change ranks 412th of 853 places in Minnesota.
- State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Winnebago's 0.6%.
- Density in Minnesota: Winnebago ranks 437th by people per square mile.
- Against the state median: Winnebago runs about 592 residents per square mile, where the Minnesota median is 607.
- Location: latitude 43.7649, longitude -94.1706 (Census Gazetteer).
- Nearest larger cities: Blue Earth (9 mi); Mapleton (16 mi); Fairmont (17 mi); Wells (22 mi); Madelia (23 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Delavan (8 mi); Amboy (9 mi); Granada (10 mi).
- Smaller neighbours: 81 places smaller than Winnebago sit within 50 miles.
- At 100 miles: 172 larger Census places fall inside that radius.
Minnesota consumer-lending rules applied in Winnebago
Minnesota has no separate rate rule for Winnebago; the sourced rows below are what reach every lender that serves its 1,383 people.
| 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 |
What is available to Winnebago borrowers
Winnebago is a moderately settled community of about 1,383 people, with 26 larger places inside a 50-mile radius. Distance to a branch rarely matters for Winnebago's 1,383 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Blue Earth, MN about 9 miles away.
Where Winnebago sits in Minnesota
Within Minnesota, Winnebago holds roughly 0.0% of all residents, the 302nd-largest share among 853 places. Its 2020-to-2023 change ranks 412th of 853 Minnesota places, putting it near the 52th percentile for growth. At about 592 people per square mile, Winnebago is the 437th most densely settled place in Minnesota. In land area, Winnebago ranks 295th among Minnesota's 853 places.
What to do before borrowing in Winnebago
Before you apply in Winnebago, a community of about 1,383, work through these steps:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Look the lender up in the Minnesota regulator's licence records before you sign.
- Be clear on what the loan is for and how it gets repaid.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
In Winnebago as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 1,383 residents.
Winnebago: area, density and distance
Winnebago covers about 2.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 592 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 94 miles away. Winnebago has 26 larger places within a 50-mile radius. The 100-mile radius contains 172 larger places.
Common questions
What are my options in Winnebago if my credit is poor?
What loan size can I expect in Winnebago?
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Does comparing loans in Winnebago cost me credit score points?
Nearby places
- Amboy, MN — population 519
- Blue Earth, MN — population 3,163
- Delavan, MN — population 170
- Granada, MN — population 282
- Vernon Center, MN — population 317
- Good Thunder, MN — population 547
- Northrop, MN — population 217
- Mapleton, MN — population 1,649