Personal loans in Delhi, MN
State law, not city hall, decides what a lender may do to Delhi's roughly 45 residents, and a state regulator supervises it.
In Delhi, one of 853 Census places in Minnesota, the figure to compare across lenders is the APR, not the advertised rate. At about 45 residents, Delhi is larger than roughly 3% of the places in Minnesota. Census figures put the 2020-to-2023 decrease in Delhi at about 2.2%. Decide the purpose of the loan and your repayment plan before sharing any details with a Delhi lender. The nearest larger city is Belview, MN about 6 miles away.
The Delhi data picture
Set out below is Delhi's local context next to the state-level rules that reach every lender here.
- Population: about 45 people live here, which puts Delhi 831st of 853 Census places in Minnesota (Vintage 2023).
- Population trend: Down about 2.2% from the 2020 Census base to the 2023 estimate.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: about 3% of Minnesota communities are smaller than Delhi (45 residents).
- Land and density: 0.8 square miles of land carry roughly 59 residents per square mile.
- Land area rank: Delhi's 0.8 square miles rank 603rd of 853 places in Minnesota.
- Share of state population: Delhi's 45 residents are about 0.0% of Minnesota.
- Nationally: Delhi is the 19,038th-largest of 19,457 Census places in the dataset.
- Growth rank: Delhi ranks 644th among Minnesota's 853 places for the 2020-to-2023 change.
- Against the state trend: Delhi's 2.2% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: Delhi is the 813th most densely settled place in Minnesota.
- Against the state median: Delhi runs about 59 residents per square mile, where the Minnesota median is 607.
- Location: latitude 44.5980, longitude -95.2134 (Census Gazetteer).
- Nearest larger cities: Belview (6 mi); Redwood Falls (6 mi); Echo (10 mi); Seaforth (10 mi); Morton (12 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Cobden (28 mi); Florence (48 mi); Kinbrae (55 mi).
- Smaller neighbours: 2 places smaller than Delhi sit within 50 miles.
- Larger places within 100 miles: 452.
Minnesota rules behind a Delhi personal loan
Minnesota has no separate rate rule for Delhi; the sourced rows below are what reach every lender that serves its 45 people.
| 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 ability-to-repay requirement | Required for payday loans with an APR above 36% (Minn. Stat. § 47.603) Source says: "This section applies to all payday loans with an annual percentage rate that exceeds 36 percent." | 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 |
Delhi in state context
Delhi is the 831st-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Delhi stands 644th among Minnesota's 853 places — roughly the 25th percentile. Its roughly 59 residents per square mile place it 813th among Minnesota's places. In land area, Delhi ranks 603rd among Minnesota's 853 places.
What is available to Delhi borrowers
Delhi is sparsely settled, with about 59 people per square mile and 93 larger places within 50 miles. What is available to Delhi's 45 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 Belview, MN about 6 miles away.
Delhi: area, density and distance
Inside Delhi's boundaries lie about 0.8 square miles of land, with no significant water area recorded. Spread across it are roughly 59 residents per square mile. The largest place in Minnesota, Minneapolis, lies about 99 miles away. Within 50 miles of Delhi there are 93 larger Census places. By land area it ranks 603rd of 853 Minnesota places.
What a Delhi borrower is actually offered
A Delhi personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 45 residents. Federal Truth in Lending rules require a Delhi lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Delhi loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
What are my options in Delhi if my credit is poor?
What loan size can I expect in Delhi?
Do I have to pledge anything to borrow in Delhi?
Does comparing loans in Delhi cost me credit score points?
Nearby places
- Belview, MN — population 287
- Redwood Falls, MN — population 5,059
- Seaforth, MN — population 83
- Renville, MN — population 1,265
- Wabasso, MN — population 728
- Echo, MN — population 238
- Vesta, MN — population 269
- Danube, MN — population 445