Personal loans in Windom, MN

Windom is a small community in Minnesota, with an estimated 4,797 residents, and every licensed lender here follows the same state rulebook. The trend for Windom between 2020 and 2023 is downward by roughly 0.2%. If debt is already a strain, a nonprofit credit counsellor can help Windom residents before they take on more. Borrowers who want a bigger city can look to Worthington, MN about 29 miles away.

The Windom data picture

Read the local figures below as context; read the sourced Minnesota table as the rulebook a lender here must follow.

• Population: 4,797 residents; Windom is the 158th-largest of 853 places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 0.2% across the 2020-to-2023 comparison.
• Net change: roughly 10 fewer people than the 2020 Census counted.
• Size percentile: roughly 81% of Minnesota's places have fewer residents than Windom's 4,797.
• Population density: about 1,171 people per square mile (Census land area 4.1 sq mi).
• By land area: Windom ranks 190th among Minnesota's 853 places, at 4.1 sq mi.
• Water area: Windom has 0.16 square miles of water, ranking 207th of 853 places in Minnesota.
• State population share: Windom accounts for about 0.1% of everyone in Minnesota.
• National rank: Windom sits 4,951st by population among the 19,457 places in this dataset.
• Growth rank: Windom ranks 367th among Minnesota's 853 places for the 2020-to-2023 change.
• Against the state trend: Windom's 0.2% change compares with a Minnesota average of +0.1% across its 853 places.
• Density rank: Windom is the 210th most densely settled place in Minnesota.
• Against the state median: Windom runs about 1,171 residents per square mile, where the Minnesota median is 607.
• Location: 43.8736, -95.1191 (Census Gazetteer coordinates).
• Nearest larger cities: Worthington (29 mi); Spirit Lake (32 mi); Estherville (36 mi); Fairmont (36 mi); New Ulm (44 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Bingham Lake (4 mi); Wilder (5 mi); Mountain Lake (11 mi).
• Within a 50-mile radius: 97 smaller Census places.
• At 100 miles: 42 larger Census places fall inside that radius.

Windom's place among Minnesota's 853 places

Set beside Minnesota's 853 places, Windom ranks 158th by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Windom ranks 367th of 853 in Minnesota (about the 57th percentile). At about 1,171 people per square mile, Windom is the 210th most densely settled place in Minnesota. Within 50 miles sit 97 smaller Census places, alongside the 6 that are larger.

What a Windom borrower is actually offered

Most loans made to Windom's 4,797 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Windom's rank of 158th in Minnesota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Windom loan is knowable in advance — unlike a revolving card balance.

Minnesota rules behind a Windom personal loan

Minnesota has no separate rate rule for Windom; the sourced rows below are what reach every lender that serves its 4,797 people.

What to do before borrowing in Windom

For Windom's roughly 4,797 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Minnesota licence by checking the regulator named above.
5. Test the payment against your current bills before you commit.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Windom-specific: the same Minnesota licensing and disclosure rules reach all 4,797 residents.

Where Windom sits

Windom covers about 4.1 square miles of land, with 0.16 square miles of water inside its boundaries (Census Gazetteer). With 4,797 residents, the land area yields roughly 1,171 people per square mile. The largest place in Minnesota, Minneapolis, lies about 118 miles away. Within 50 miles of Windom there are 6 larger Census places. The 100-mile radius contains 42 larger places.