Personal loans in Funkley, MN

Begin with the payment, then weigh APR and total interest across the lenders that reach Funkley's 12 residents. A lender that serves Funkley operates under Minnesota lending statutes and a Minnesota supervisor. Census data show virtually no population shift in Funkley between 2020 and 2023. The nearest larger city is Blackduck, MN about 7 miles away.

Where Funkley stands

Only a few things actually differ by place — population, area, location, and the Minnesota rules a lender must follow — and they are below.

• Population: a Census-estimated 12, 853rd among Minnesota's 853 places (Vintage 2023).
• Population trend: Little measurable movement between 2020 and 2023.
• Size percentile: about 0% of Minnesota communities are smaller than Funkley (12 residents).
• Population density: about 16 people per square mile (Census land area 0.8 sq mi).
• Land area: Funkley covers 0.8 square miles, the 606th-largest area among Minnesota's 853 places.
• State share: roughly 0.0% of Minnesota's residents live in Funkley (12 people).
• National rank: Funkley sits 19,407th by population among the 19,457 places in this dataset.
• Growth rank: Funkley's 2020-to-2023 change ranks 357th of 853 places in Minnesota.
• Versus Minnesota: the state average change is +0.1%, while Funkley moved 0.0%.
• Density in Minnesota: Funkley ranks 851st by people per square mile.
• Density in context: Funkley's 16 people per square mile sit against a Minnesota median of 607.
• Location: the Census Gazetteer records it at 47.7868, -94.4266.
• Nearest larger cities: Blackduck (7 mi); Northome (10 mi); Kelliher (11 mi); Mizpah (14 mi); Tenstrike (15 mi). Living near a larger metro rarely changes what is available in Funkley.
• Smaller neighbours: 0 places smaller than Funkley sit within 50 miles.
• At 100 miles: 138 larger Census places fall inside that radius.

A pre-application checklist for Funkley

Before you hand your details to a lender in Funkley, where the population is near 12:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Minnesota licence with the regulator listed on this page.
5. Test the payment against your current bills before you commit.
6. Pick the shortest term whose payment you can comfortably afford.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Funkley and the rest of Minnesota is not the process but the borrower's own file, among the 12 people here.

The geography behind Funkley

Inside Funkley's boundaries lie about 0.8 square miles of land, with no significant water area recorded. Spread across it are roughly 16 residents per square mile. For the state's biggest city, Minneapolis, the distance is roughly 203 miles. A 50-mile radius around Funkley takes in 25 places that are larger. By land area it ranks 606th of 853 Minnesota places.

The state rulebook for Funkley

This table holds the Minnesota rate and licensing rules for consumer loans made to Funkley's 12 residents.

Where Funkley sits in Minnesota

Against Minnesota's other places, Funkley accounts for about 0.0% of the state's population and ranks 853rd of 853 by size. On the 2020-to-2023 trend, Funkley stands 357th among Minnesota's 853 places — roughly the 58th percentile. At about 16 people per square mile, Funkley is the 851st most densely settled place in Minnesota. By land area, its 0.8 square miles rank 606th of 853 places in Minnesota.

The anatomy of a Funkley personal loan

With roughly 12 residents, Funkley is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Funkley can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Funkley loan but raises total interest, so the smallest payment is not the cheapest loan.