Personal loans in Rushmore, MN
Rushmore counts about 358 people, and what is genuinely local about borrowing here is limited — Minnesota law does the governing. The Census estimates 358 residents in Rushmore, which ranks it 556th of 853 places in Minnesota.
Rushmore shed about 2.7% of its population between the 2020 base and the 2023 estimate. Every figure below is Minnesota's own, applied to Rushmore's 358 residents, with the publisher and retrieval date attached. Begin with the payment, then weigh APR and total interest across the lenders that reach Rushmore's 358 residents. For a bigger market, look to Adrian, MN about 7 miles away.
Borrowing in Rushmore: the local picture
Rushmore is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 358 residents in Rushmore (Vintage 2023 subcounty estimate), the 556th-largest figure among Minnesota's 853 places.
- Population trend: Lower by roughly 2.7% since the 2020 count.
- People gained or lost: about 10 fewer since the 2020 base.
- Size percentile: about 35% of Minnesota communities are smaller than Rushmore (358 residents).
- Population density: about 1,409 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Rushmore covers 0.3 square miles, the 797th-largest area among Minnesota's 853 places.
- State share: roughly 0.0% of Minnesota's residents live in Rushmore (358 people).
- National standing: Rushmore ranks 14,524th of 19,457 US places.
- Growth rank: Rushmore's 2020-to-2023 change ranks 715th of 853 places in Minnesota.
- Against the state trend: Rushmore's 2.7% change compares with a Minnesota average of +0.1% across its 853 places.
- Density rank: Rushmore is the 154th most densely settled place in Minnesota.
- Against the state median: Rushmore runs about 1,409 residents per square mile, where the Minnesota median is 607.
- Location: the Census Gazetteer records it at 43.6197, -95.7990.
- Nearest larger cities: Adrian (7 mi); Worthington (10 mi); Little Rock (13 mi); Ellsworth (13 mi); Sibley (15 mi). Larger metros often have more branches, but online lenders reach Rushmore on the same terms.
- Smaller places nearby: Bigelow (10 mi); Wilmont (10 mi); Lismore (12 mi).
- Within a 50-mile radius: 53 smaller Census places.
- Within 100 miles: 223 places are larger than Rushmore.
Which Minnesota laws govern a loan in Rushmore
Every row below records a Minnesota rule, its publisher and its retrieval date — the same rules a Rushmore lender must follow.
| 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 |
Lender access in Rushmore
Rushmore is moderately settled, with about 1,409 people per square mile and 63 larger places within 50 miles. What is available to Rushmore's 358 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Adrian, MN about 7 miles away.
Land, water and location for Rushmore
Rushmore's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 1,409 residents per square mile. The largest place in Minnesota, Minneapolis, lies about 156 miles away. Rushmore has 63 larger places within a 50-mile radius. By land area it ranks 797th of 853 Minnesota places.
Inside a Rushmore personal loan
A Rushmore personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 358 residents. A lender serving Rushmore's 358 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Rushmore loan but raises total interest, so the smallest payment is not the cheapest loan.
Rushmore against the rest of Minnesota
Rushmore is the 556th-largest of 853 Census places in Minnesota and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Rushmore stands 715th among Minnesota's 853 places — roughly the 16th percentile. Its roughly 1,409 residents per square mile place it 154th among Minnesota's places. Between 2020 and 2023 the count changed by roughly 10 residents.
Common questions
What are my options in Rushmore if my credit is poor?
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Nearby places
- Adrian, MN — population 1,182
- Wilmont, MN — population 320
- Bigelow, MN — population 219
- Little Rock, IA — population 444
- Lismore, MN — population 200
- Worthington, MN — population 13,614
- Sibley, IA — population 2,761
- Ellsworth, MN — population 483