Personal loans in Millerville, MN

With roughly 99 residents, Millerville is a small community, and the lending rules its borrowers live under are written in Minnesota, not by the city. About 99 people live in Millerville, placing it 758th of 853 Census places in Minnesota.

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.

Millerville shed about 1.0% of its population between the 2020 base and the 2023 estimate. Read the disclosure for an origination fee and any prepayment penalty before signing in Millerville. For a bigger market, look to Brandon, MN about 7 miles away. Every figure below is Minnesota's own, applied to Millerville's 99 residents, with the publisher and retrieval date attached.

What the Census records for Millerville

Millerville is a small community; the notes below cover its population profile and the statewide rules that apply.

The state rulebook for Millerville

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

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

Where Millerville sits in Minnesota

Within Minnesota, Millerville holds roughly 0.0% of all residents, the 758th-largest share among 853 places. Its 2020-to-2023 change ranks 470th of 853 Minnesota places, putting it near the 45th percentile for growth. Its roughly 115 residents per square mile place it 751st among Minnesota's places. Between 2020 and 2023 the count changed by roughly 1 residents.

Where Millerville sits

Millerville's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. That land carries about 115 people per square mile. The largest place in Minnesota, Minneapolis, lies about 135 miles away. Millerville has 70 larger places within a 50-mile radius. Within the same 50 miles lie 18 smaller Census places.

How a Millerville personal loan is priced

Most loans made to Millerville's 99 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Millerville loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Millerville loan but raises total interest, so the smallest payment is not the cheapest loan.

What to do before borrowing in Millerville

These steps shape the offer you get in Millerville, a place of about 99 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the Minnesota licence with the regulator named above before committing.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

In Millerville as elsewhere in Minnesota, the written terms — not the advertisement — are what count for its 99 residents.

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 Millerville 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 Millerville is the same as anywhere in Minnesota.
What loan size can I expect in Millerville?
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 Millerville?
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 Millerville 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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