Personal loans in Longville, MN

Personal loans in Longville are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 158 population. Roughly 158 residents live in Longville, the 693rd-largest community in Minnesota. For a bigger market, look to Remer, MN about 15 miles away. A 2020-to-2023 comparison shows Longville up by about 0.6%. State law, not city hall, decides what a lender may do to Longville's roughly 158 residents, and a state regulator supervises it. For a community of about 158, the practical step is to compare APR across at least three lenders before committing.

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.

Where Longville stands

The figures below are Longville's own — Census population, land area and coordinates — followed by the Minnesota rules.

Steps to take before a Longville loan

Before you apply in Longville, a community of about 158, work through these steps:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Minnesota licence with the regulator listed on this page.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Longville as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 158 residents.

Inside a Longville personal loan

Most loans made to Longville's 158 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Longville's rank of 693rd 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 Longville decides the split between a comfortable payment and the total interest you pay.

Minnesota consumer-lending rules applied in Longville

Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Longville lender must follow.

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
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 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

How Longville compares across Minnesota

Within Minnesota, Longville holds roughly 0.0% of all residents, the 693rd-largest share among 853 places. For population change between 2020 and 2023, Longville ranks 271st of 853 in Minnesota (about the 68th percentile). By density, at about 186 people per square mile, it ranks 690th in Minnesota. By land area, its 0.9 square miles rank 576th of 853 places in Minnesota.

Longville: area, density and distance

Longville's land area is about 0.9 square miles; a further 0.03 square miles is water. That land carries about 186 people per square mile. Minneapolis, the largest place in Minnesota, is about 147 miles from Longville. Longville has 41 larger places within a 50-mile radius. By land area it ranks 576th of 853 Minnesota 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 Longville 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 Longville is the same as anywhere in Minnesota.
What loan size can I expect in Longville?
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 Longville?
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 Longville 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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