Personal loans in Dalton, MN

Work out your debt-to-income ratio first; lenders weigh it heavily, and Dalton's 216 residents are no exception. Over 2020 to 2023, Dalton recorded almost no population movement. A single loan can carry different costs on either side of a state line, and Dalton sits on the Minnesota side of that line. The closest larger city is Ashby, MN about 7 miles away.

Local context for Dalton

Here is the sourced Census picture for Dalton, plus the Minnesota lending rules that apply to a loan taken out here.

• Population: 216 — Dalton ranks 639th of 853 communities in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: No meaningful shift since the 2020 count.
• Size percentile: Dalton's 216 people outrank roughly 25% of the places in Minnesota.
• Population density: about 911 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Dalton ranks 813th among Minnesota's 853 places, at 0.2 sq mi.
• Within Minnesota: about 0.0% of the state's population lives in Dalton.
• Nationally: Dalton is the 16,229th-largest of 19,457 Census places in the dataset.
• Growth rank: Dalton's 2020-to-2023 change ranks 319th of 853 places in Minnesota.
• Versus Minnesota: the state average change is +0.1%, while Dalton moved 0.0%.
• Density rank: Dalton is the 308th most densely settled place in Minnesota.
• Density vs Minnesota: Dalton's 911 people per square mile compare with a state median of 607.
• Location: coordinates 46.1739, -95.9155 (US Census Bureau Gazetteer).
• Nearest larger cities: Ashby (7 mi); Underwood (8 mi); Fergus Falls (11 mi); Battle Lake (12 mi); Elbow Lake (13 mi). Living near a larger metro rarely changes what is available in Dalton.
• Smaller places close by: Wendell (13 mi); Clitherall (15 mi); Elizabeth (18 mi).
• Smaller places within 50 miles: 31 of them.
• Larger places within 100 miles: 195.

Dalton in state context

Set beside Minnesota's 853 places, Dalton ranks 639th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 319th of 853 Minnesota places, putting it near the 63th percentile for growth. At about 911 people per square mile, Dalton is the 308th most densely settled place in Minnesota. In land area, Dalton ranks 813th among Minnesota's 853 places.

Which Minnesota laws govern a loan in Dalton

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

Getting a loan in Dalton

Dalton is moderately settled, with about 911 people per square mile and 54 larger places within 50 miles. Lenders licensed in Minnesota reach Dalton's 216 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Ashby, MN about 7 miles away.

How a Dalton personal loan is priced

Dalton is a small community of about 216 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Dalton. A longer term lowers the monthly payment on a Dalton loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for Dalton borrowers

For Dalton's roughly 216 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Minnesota licence with the regulator listed on this page.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

None of these steps is Dalton-specific: the same Minnesota licensing and disclosure rules reach all 216 residents.