Personal loans in Ruthton, MN
With roughly 221 residents, Ruthton is a small community, and the lending rules its borrowers live under are written in Minnesota, not by the city.
Every figure below is Minnesota's own, applied to Ruthton's 221 residents, with the publisher and retrieval date attached. An estimated 221 people make their home in Ruthton, a figure that ranks 631st in Minnesota. Read the disclosure for an origination fee and any prepayment penalty before signing in Ruthton. The trend for Ruthton between 2020 and 2023 is downward by roughly 2.2%. The nearest larger metro is Tyler, MN about 7 miles away.
The Ruthton data picture
What follows is Ruthton's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.
- Population: the Census counts 221 residents in Ruthton (Vintage 2023 subcounty estimate), the 631st-largest figure among Minnesota's 853 places.
- Population trend: Lower by roughly 2.2% since the 2020 count.
- Absolute change: 5 residents lost between 2020 and 2023.
- Size percentile: roughly 26% of Minnesota's places have fewer residents than Ruthton's 221.
- Population density: about 383 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Ruthton covers 0.6 square miles, the 660th-largest area among Minnesota's 853 places.
- Within Minnesota: about 0.0% of the state's population lives in Ruthton.
- Nationally: Ruthton is the 16,161st-largest of 19,457 Census places in the dataset.
- Growth rank: Ruthton's 2020-to-2023 change ranks 649th of 853 places in Minnesota.
- Against the state trend: Ruthton's 2.2% change compares with a Minnesota average of +0.1% across its 853 places.
- Density in Minnesota: Ruthton ranks 553rd by people per square mile.
- Density in context: Ruthton's 383 people per square mile sit against a Minnesota median of 607.
- Location: mapped by the US Census Bureau at 44.1775, -96.1034.
- Nearest larger cities: Tyler (7 mi); Lake Benton (11 mi); Balaton (12 mi); Russell (13 mi); Lake Wilson (15 mi). Living near a larger metro rarely changes what is available in Ruthton.
- Smaller towns nearby: Florence (5 mi); Holland (8 mi); Woodstock (12 mi).
- Within a 50-mile radius: 42 smaller Census places.
- Larger places within 100 miles: 232.
What a Ruthton borrower is actually offered
A Ruthton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 221 residents. The APR tracks your credit score rather than Ruthton's rank of 631st in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Ruthton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Ruthton sits
Inside Ruthton's boundaries lie about 0.6 square miles of land, with no significant water area recorded. With 221 residents, the land area yields roughly 383 people per square mile. The state's population centre of gravity, Minneapolis, is roughly 150 miles away. Ruthton has 61 larger places within a 50-mile radius. Within the same 50 miles lie 42 smaller Census places.
Ruthton in state context
Within Minnesota, Ruthton holds roughly 0.0% of all residents, the 631st-largest share among 853 places. On the 2020-to-2023 trend, Ruthton stands 649th among Minnesota's 853 places — roughly the 24th percentile. Its roughly 383 residents per square mile place it 553rd among Minnesota's places. Within 50 miles sit 42 smaller Census places, alongside the 61 that are larger.
What is available to Ruthton borrowers
With about 383 residents per square mile, Ruthton is lightly settled, and 61 larger Census places sit within 50 miles. Distance to a branch rarely matters for Ruthton's 221 residents: the application is online and the price follows your credit file. The nearest larger city, Tyler, MN about 7 miles away.
The state rulebook for Ruthton
Read the table as a lender's compliance picture for Ruthton: the rule, the sourced figure, the publisher and the date.
| 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 |
Common questions
What are my options in Ruthton if my credit is poor?
What loan size can I expect in Ruthton?
Do I have to pledge anything to borrow in Ruthton?
Does comparing loans in Ruthton cost me credit score points?
Nearby places
- Florence, MN — population 25
- Tyler, MN — population 1,104
- Holland, MN — population 176
- Woodstock, MN — population 111
- Lake Benton, MN — population 669
- Russell, MN — population 351
- Arco, MN — population 85
- Lake Wilson, MN — population 246