Personal loans in Eyota, MN
A lender serving Eyota holds a Minnesota licence and answers to a Minnesota regulator; no city office is involved for its 2,019 residents. Verify the lender's Minnesota licence against the regulator named below before borrowing in Eyota.
By population, Eyota sits at 261st in Minnesota, with an estimated 2,019 residents. For the 2,019 people in Eyota, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Population in Eyota climbed about 0.9% over the three years from 2020 to 2023. The closest larger city is St. Charles, MN about 9 miles away.
Eyota: the sourced local profile
Set out below is Eyota's local context next to the state-level rules that reach every lender here.
- Population: a Census-estimated 2,019, 261st among Minnesota's 853 places (Vintage 2023).
- Population trend: Growth of about 0.9% across the 2020-to-2023 comparison.
- Net change: roughly 18 more people than the 2020 Census counted.
- Size percentile: bigger than about 69% of the places in Minnesota, with 2,019 residents in Eyota.
- Population density: about 1,196 people per square mile across 1.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Eyota covers 1.7 square miles, the 364th-largest area among Minnesota's 853 places.
- Share of state population: Eyota's 2,019 residents are about 0.0% of Minnesota.
- National standing: Eyota ranks 7,587th of 19,457 US places.
- Growth rank: Eyota's 2020-to-2023 change ranks 248th of 853 places in Minnesota.
- Against the state trend: Eyota's 0.9% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: Eyota is the 201st most densely settled place in Minnesota.
- Density vs Minnesota: Eyota's 1,196 people per square mile compare with a state median of 607.
- Location: 43.9883, -92.2321 (US Census Bureau Gazetteer).
- Nearest larger cities: St. Charles (9 mi); Chatfield (10 mi); Rochester (12 mi); Plainview (13 mi); Stewartville (16 mi). Larger metros often have more branches, but online lenders reach Eyota on the same terms.
- Nearest smaller towns: Dover (5 mi); Elgin (10 mi); Elba (13 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 77 of them.
- At 100 miles: 183 larger Census places fall inside that radius.
Where Eyota sits
The Census Gazetteer records about 1.7 square miles of land within Eyota, with no significant water area listed. The resulting density is about 1,196 people per square mile. The largest place in Minnesota, Minneapolis, lies about 85 miles away. Eyota has 24 larger places within a 50-mile radius. Within the same 50 miles lie 77 smaller Census places.
How lenders reach Eyota
With about 1,196 residents per square mile, Eyota is moderately settled, and 24 larger Census places sit within 50 miles. Lenders licensed in Minnesota reach Eyota's 2,019 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is St. Charles, MN about 9 miles away.
Where Eyota sits in Minnesota
Eyota is the 261st-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Eyota stands 248th among Minnesota's 853 places — roughly the 71th percentile. By density, at about 1,196 people per square mile, it ranks 201st in Minnesota. Within 50 miles sit 77 smaller Census places, alongside the 24 that are larger.
Inside a Eyota personal loan
Most loans made to Eyota's 2,019 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Eyota loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Eyota decides the split between a comfortable payment and the total interest you pay.
The state rulebook for Eyota
Below are the Minnesota rules that apply to a loan made in Eyota, each with the regulator that issued it.
| 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 |
Common questions
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Nearby places
- Dover, MN — population 778
- Elgin, MN — population 1,148
- Chatfield, MN — population 2,993
- St. Charles, MN — population 4,037
- Plainview, MN — population 3,527
- Elba, MN — population 128
- Rochester, MN — population 122,413
- Millville, MN — population 150