Personal loans in Afton, MN

The nearest larger city is Woodbury, MN about 5 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 0.4%. Which products a lender may offer to Afton's 2,941 residents follows from the Minnesota consumer-lending framework. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Afton loan.

Afton by the numbers

The figures below are Afton's own — Census population, land area and coordinates — followed by the Minnesota rules.

• Population: the Census counts 2,941 residents in Afton (Vintage 2023 subcounty estimate), the 214th-largest figure among Minnesota's 853 places.
• Population trend: A loss of roughly 0.4% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 11 residents.
• Size percentile: bigger than about 75% of the places in Minnesota, with 2,941 residents in Afton.
• Population density: 117 people per square mile on 25.1 square miles of land.
• Land area rank: Afton's 25.1 square miles rank 58th of 853 places in Minnesota.
• Water area rank: Afton ranks 66th among Minnesota's 853 places, with 1.39 sq mi.
• State share: roughly 0.1% of Minnesota's residents live in Afton (2,941 people).
• National rank: Afton is 6,347th of 19,457 places nationwide.
• Growth rank: Afton's 2020-to-2023 change ranks 382nd of 853 places in Minnesota.
• Against the state trend: Afton's 0.4% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: Afton places 748th among Minnesota's places by people per square mile.
• Density in context: Afton's 117 people per square mile sit against a Minnesota median of 607.
• Location: it lies at 44.8988, -92.8191 in the Census Gazetteer.
• Nearest larger cities: Woodbury (5 mi); Hudson (6 mi); North Hudson (7 mi); Cottage Grove (8 mi); Lake Elmo (8 mi). Living near a larger metro rarely changes what is available in Afton.
• Smaller communities within reach: St. Marys Point (3 mi); Lake St. Croix Beach (3 mi); Lakeland Shores (4 mi).
• Smaller places within 50 miles: 82 of them.
• At 100 miles: 184 larger Census places fall inside that radius.

The anatomy of a Afton personal loan

A Afton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,941 residents. Federal Truth in Lending rules require a Afton lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Afton loan is knowable in advance — unlike a revolving card balance.

The Afton borrowing checklist

Before you hand your details to a lender in Afton, where the population is near 2,941:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Get several pre-qualifications and compare APR side by side before choosing.
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. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

What differs between Afton and the rest of Minnesota is not the process but the borrower's own file, among the 2,941 people here.

Where Afton sits in Minnesota

Afton is the 214th-largest of 853 Census places in Minnesota and contains about 0.1% of the state's people. For population change between 2020 and 2023, Afton ranks 382nd of 853 in Minnesota (about the 55th percentile). At about 117 people per square mile, Afton is the 748th most densely settled place in Minnesota. By land area, its 25.1 square miles rank 58th of 853 places in Minnesota.

Minnesota rules behind a Afton personal loan

When Minnesota does not publish a figure, the row links to the source instead of inventing a number; Afton is bound by the same rules.

Getting a loan in Afton

At roughly 117 people per square mile, Afton is lightly settled; 129 larger places lie within 50 miles. A Minnesota licence lets a lender serve Afton without a local office, so branch density does not change what its 2,941 residents are offered. The nearest larger city, Woodbury, MN about 5 miles away.