Personal loans in Delavan, MN

In Delavan, one of 853 Census places in Minnesota, the figure to compare across lenders is the APR, not the advertised rate. About 170 people live in Delavan, placing it 677th of 853 Census places in Minnesota.

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.

A 2020-to-2023 comparison shows Delavan down by about 1.2%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Delavan's 170 residents are no exception. The next larger city is Easton, MN about 6 miles away. Every figure below is Minnesota's own, applied to Delavan's 170 residents, with the publisher and retrieval date attached.

Borrowing in Delavan: the local picture

Delavan is a small community; the notes below cover its population profile and the statewide rules that apply.

The state rulebook for Delavan

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

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
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
Small-loan / installment lender licensingRegulated 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

Delavan in state context

Against Minnesota's other places, Delavan accounts for about 0.0% of the state's population and ranks 677th of 853 by size. On the 2020-to-2023 trend, Delavan stands 497th among Minnesota's 853 places — roughly the 42th percentile. At about 169 people per square mile, Delavan is the 699th most densely settled place in Minnesota. In land area, Delavan ranks 517th among Minnesota's 853 places.

A practical checklist for Delavan borrowers

These steps shape the offer you get in Delavan, a place of about 170 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a Minnesota licence by checking the regulator named above.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Minnesota; what changes is your credit file, not the fact that Delavan holds 170 people.

How lenders reach Delavan

At roughly 169 people per square mile, Delavan is lightly settled; 90 larger places lie within 50 miles. What is available to Delavan's 170 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Easton, MN about 6 miles away.

Where Delavan sits

Delavan covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 169 people per square mile. The largest place in Minnesota, Minneapolis, lies about 91 miles away. Counting outward 50 miles, 90 larger communities surround Delavan. Within the same 50 miles lie 18 smaller Census places.

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 Delavan 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 Delavan is the same as anywhere in Minnesota.
What loan size can I expect in Delavan?
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 Delavan?
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 Delavan 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.

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