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.
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.
- Population: an estimated 2,766 residents, 221st of 853 places in Minnesota (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 0.1% from 2020 to 2023.
- Net change: roughly 4 more people than the 2020 Census counted.
- Size percentile: roughly 74% of Minnesota places rank below Barnesville.
- Population density: 1,382 people per square mile on 2.0 square miles of land.
- By land area: Barnesville ranks 329th among Minnesota's 853 places, at 2.0 sq mi.
- Water: Barnesville holds about 0.02 square miles, the 350th-largest water area in Minnesota.
- Within Minnesota: about 0.1% of the state's population lives in Barnesville.
- National rank: Barnesville is the 6,528th most populous of the 19,457 Census places covered here.
- Growth rank: Barnesville's 2020-to-2023 change ranks 302nd of 853 places in Minnesota.
- State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Barnesville's 0.1%.
- Density in Minnesota: Barnesville ranks 162nd by people per square mile.
- Density vs Minnesota: Barnesville's 1,382 people per square mile compare with a state median of 607.
- Location: 46.6508, -96.4151 (Census Gazetteer coordinates).
- Nearest larger cities: Dilworth (21 mi); Moorhead (21 mi); Fargo (25 mi); Horace (25 mi); West Fargo (27 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Rothsay (14 mi); Sabin (14 mi); Comstock (16 mi).
- Smaller neighbours: 70 places smaller than Barnesville sit within 50 miles.
- Within 100 miles: 23 places are larger than Barnesville.
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.
| 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 |
| 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 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 |
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.
Common questions
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Nearby places
- Rothsay, MN — population 491
- Hawley, MN — population 2,283
- Sabin, MN — population 606
- Glyndon, MN — population 1,358
- Comstock, MN — population 99
- Wolverton, MN — population 119
- Pelican Rapids, MN — population 2,597
- Kent, MN — population 64