Personal loans in Gully, MN

Begin with the payment, then weigh APR and total interest across the lenders that reach Gully's 57 residents. For the 57 people in Gully, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Census data show virtually no population shift in Gully between 2020 and 2023. The nearest larger city is Gonvick, MN about 6 miles away.

Gully: the sourced local profile

What follows is Gully's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.

• Population: the Census counts 57 residents in Gully (Vintage 2023 subcounty estimate), the 815th-largest figure among Minnesota's 853 places.
• Population trend: The 2020-to-2023 change is under a tenth of a percent.
• Size percentile: about 4% of Minnesota's Census places are smaller than Gully.
• Population density: about 232 people per square mile (Census land area 0.2 sq mi).
• Land area: Gully covers 0.2 square miles, the 810th-largest area among Minnesota's 853 places.
• Share of Minnesota: Gully holds about 0.0% of the state's population, some 57 people.
• National rank: Gully sits 18,876th by population among the 19,457 places in this dataset.
• Growth rank: Gully's 2020-to-2023 change ranks 343rd of 853 places in Minnesota.
• State comparison: Minnesota's places average +0.1% for 2020-to-2023, against Gully's 0.0%.
• Density in Minnesota: Gully ranks 657th by people per square mile.
• Density in context: Gully's 232 people per square mile sit against a Minnesota median of 607.
• Location: mapped by the US Census Bureau at 47.7684, -95.6229.
• Nearest larger cities: Gonvick (6 mi); Clearbrook (10 mi); Oklee (12 mi); Fosston (14 mi); McIntosh (15 mi). Lenders licensed in the state serve Gully whether or not they keep a local branch.
• Nearest smaller towns: Trail (4 mi); Leonard (19 mi); Funkley (56 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 2 of them.
• At 100 miles: 161 larger Census places fall inside that radius.

Getting a loan in Gully

With about 232 residents per square mile, Gully is lightly settled, and 35 larger Census places sit within 50 miles. Lenders licensed in Minnesota reach Gully's 57 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Gonvick, MN about 6 miles away.

How a Gully personal loan is priced

With roughly 57 residents, Gully is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Gully's rank of 815th in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Gully decides the split between a comfortable payment and the total interest you pay.

Gully on the map

Gully's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. With 57 residents, the land area yields roughly 232 people per square mile. For the state's biggest city, Minneapolis, the distance is roughly 224 miles. Counting outward 50 miles, 35 larger communities surround Gully. Within the same 50 miles lie 2 smaller Census places.

Steps to take before a Gully loan

Before you apply in Gully, a community of about 57, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
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. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Gully-specific: the same Minnesota licensing and disclosure rules reach all 57 residents.

The state rulebook for Gully

Read the table as a lender's compliance picture for Gully: the rule, the sourced figure, the publisher and the date.