Personal loans in Barnesville, MN

With roughly 2,766 residents, Barnesville is a small community, and the lending rules its borrowers live under are written in Minnesota, not by the city. Barnesville is one of 853 Census places in Minnesota; its 2,766 residents put it at 221st. Barnesville gained roughly 0.1% in population across the 2020-to-2023 comparison. Judge Barnesville offers on total cost, not on how quickly the money arrives. The closest larger place is Dilworth, MN about 21 miles away. Every figure below is Minnesota's own, applied to Barnesville's 2,766 residents, with the publisher and retrieval date attached.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Barnesville by the numbers

What follows is Barnesville's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.

The state rulebook for Barnesville

The rows below set out what a licensed lender must follow in Minnesota, and so for Barnesville's roughly 2,766 residents.

RuleDetailSource
State lending regulatorMinnesota 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
Maximum legal interest rate (usury cap)6% per year legal rate of interest; a different rate may be contracted for in writing (Minn. Stat. § 334.01)
Source says: "The interest for any legal indebtedness shall be at the rate of $6 upon $100 for a year"
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16
Payday lending statusLegal 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

Barnesville in state context

Against Minnesota's other places, Barnesville accounts for about 0.1% of the state's population and ranks 221st of 853 by size. For population change between 2020 and 2023, Barnesville ranks 302nd of 853 in Minnesota (about the 65th percentile). At about 1,382 people per square mile, Barnesville is the 162nd most densely settled place in Minnesota. Within 50 miles sit 70 smaller Census places, alongside the 10 that are larger.

Barnesville on the map

The Census Gazetteer records 2.0 square miles of land and 0.02 square miles of water within Barnesville. Spread across it are roughly 1,382 residents per square mile. The state's population centre of gravity, Minneapolis, is roughly 191 miles away. A 50-mile radius around Barnesville takes in 10 places that are larger. Within the same 50 miles lie 70 smaller Census places.

What a Barnesville borrower is actually offered

A Barnesville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,766 residents. Federal Truth in Lending rules require a Barnesville lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Barnesville loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Barnesville

With about 1,382 residents per square mile, Barnesville is moderately settled, and 10 larger Census places sit within 50 miles. Whether Barnesville has a local branch or not, a Minnesota-licensed lender can serve its 2,766 people online on the same terms. For a larger market, the closest option is Dilworth, MN about 21 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Barnesville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Barnesville is the same as anywhere in Minnesota.
What loan size can I expect in Barnesville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Barnesville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Barnesville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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