Personal loans in Appleton, MN
Personal loans in Appleton are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,365 population. The Census counts 1,365 people in Appleton, the 306th-largest figure among Minnesota's 853 places.
Census figures put the 2020-to-2023 decrease in Appleton at about 1.9%. A lender that serves Appleton operates under Minnesota lending statutes and a Minnesota supervisor. Use the calculator on this page to price an amount and term before you commit in Appleton. For a bigger market, look to Madison, MN about 15 miles away.
What the Census records for Appleton
Two layers matter for a Appleton borrower: the local population picture and Minnesota's consumer-lending statutes.
- Population: 1,365 residents; Appleton is the 306th-largest of 853 places in Minnesota (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 1.9% across the 2020-to-2023 comparison.
- People gained or lost: about 26 fewer since the 2020 base.
- Size percentile: Appleton sits ahead of around 64% of Minnesota places, at 1,365 people.
- Population density: 723 people per square mile on 1.9 square miles of land.
- Land area: Appleton covers 1.9 square miles, the 340th-largest area among Minnesota's 853 places.
- Water area: Appleton has 0.06 square miles of water, ranking 281st of 853 places in Minnesota.
- Share of Minnesota: Appleton holds about 0.0% of the state's population, some 1,365 people.
- Nationally: Appleton is the 9,059th-largest of 19,457 Census places in the dataset.
- Growth rank: Appleton's 2020-to-2023 change ranks 614th of 853 places in Minnesota.
- Versus Minnesota: the state average change is +0.1%, while Appleton moved 1.9%.
- Density rank: Appleton places 384th among Minnesota's places by people per square mile.
- Density in context: Appleton's 723 people per square mile sit against a Minnesota median of 607.
- Location: the Census Gazetteer records it at 45.1995, -96.0222.
- Nearest larger cities: Madison (15 mi); Dawson (19 mi); Ortonville (22 mi); Benson (22 mi); Montevideo (23 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Holloway (6 mi); Correll (7 mi); Louisburg (8 mi).
- Within a 50-mile radius: 73 smaller Census places.
- Larger places within 100 miles: 66.
Where Appleton sits in Minnesota
Within Minnesota, Appleton holds roughly 0.0% of all residents, the 306th-largest share among 853 places. Its 2020-to-2023 change ranks 614th of 853 Minnesota places, putting it near the 28th percentile for growth. By density, at about 723 people per square mile, it ranks 384th in Minnesota. In land area, Appleton ranks 340th among Minnesota's 853 places.
Borrowing reach in Appleton
With about 723 residents per square mile, Appleton is moderately settled, and 12 larger Census places sit within 50 miles. A Minnesota licence lets a lender serve Appleton without a local office, so branch density does not change what its 1,365 residents are offered. For a larger market, the closest option is Madison, MN about 15 miles away.
How Minnesota law applies in Appleton
These are Minnesota's sourced lending facts as they reach Appleton's 1,365 residents; the state has no city-level rate rule.
| 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 |
The anatomy of a Appleton personal loan
A Appleton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,365 residents. The APR tracks your credit score rather than Appleton's rank of 306th in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Appleton loan but raises total interest, so the smallest payment is not the cheapest loan.
Where Appleton sits
The Census Gazetteer records 1.9 square miles of land and 0.06 square miles of water within Appleton. Spread across it are roughly 723 residents per square mile. The state's population centre of gravity, Minneapolis, is roughly 135 miles away. Counting outward 50 miles, 12 larger communities surround Appleton. The 100-mile radius contains 66 larger places.
Common questions
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What loan size can I expect in Appleton?
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Does comparing loans in Appleton cost me credit score points?
Nearby places
- Holloway, MN — population 84
- Milan, MN — population 414
- Correll, MN — population 27
- Louisburg, MN — population 31
- Madison, MN — population 1,491
- Bellingham, MN — population 143
- Dawson, MN — population 1,433
- Danvers, MN — population 100