Personal loans in Winnemucca, NV
A personal loan in Winnemucca is priced from your credit file and income, not from the fact that the city holds 8,261 people. The Census counts 8,261 people in Winnemucca, the 12th-largest figure among Nevada's 19 places.
The trend for Winnemucca between 2020 and 2023 is downward by roughly 1.6%. Judge Winnemucca offers on total cost, not on how quickly the money arrives. Borrowers who want a bigger city can look to Elko, NV about 103 miles away. State law, not city hall, decides what a lender may do to Winnemucca's roughly 8,261 residents, and a state regulator supervises it.
Winnemucca: population, trend and location
Here is the sourced Census picture for Winnemucca, plus the Nevada lending rules that apply to a loan taken out here.
- Population: 8,261 — Winnemucca ranks 12th of 19 communities in Nevada (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 1.6% across the 2020-to-2023 comparison.
- Net change: roughly 136 fewer people than the 2020 Census counted.
- Size percentile: Winnemucca's 8,261 people outrank roughly 37% of the places in Nevada.
- Density: roughly 845 residents per square mile, spread over 9.8 sq mi of land.
- By land area: Winnemucca ranks 14th among Nevada's 19 places, at 9.8 sq mi.
- Share of state population: Winnemucca's 8,261 residents are about 0.4% of Nevada.
- Nationally: Winnemucca is the 3,610th-largest of 19,457 Census places in the dataset.
- Growth in Nevada: Winnemucca stands 17th by percentage change from 2020 to 2023, among 19 places.
- Versus Nevada: the state average change is +2.2%, while Winnemucca moved 1.6%.
- Density rank: Winnemucca places 9th among Nevada's places by people per square mile.
- Density vs Nevada: Winnemucca's 845 people per square mile compare with a state median of 717.
- Location: latitude 40.9644, longitude -117.7246 (Census Gazetteer).
- Nearest larger cities: Elko (103 mi); Fallon (117 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Lovelock (67 mi); Carlin (86 mi), each with its own Census population profile.
- Within a 50-mile radius: 0 smaller Census places.
- Within 100 miles: 0 places are larger than Winnemucca.
What is available to Winnemucca borrowers
Winnemucca is a moderately settled community of about 8,261 people, with 0 larger places inside a 50-mile radius. Distance to a branch rarely matters for Winnemucca's 8,261 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Elko, NV about 103 miles away.
What shapes a Winnemucca personal loan
A Winnemucca personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 8,261 residents. The APR tracks your credit score rather than Winnemucca's rank of 12th in Nevada: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Winnemucca loan but raises total interest, so the smallest payment is not the cheapest loan.
Winnemucca on the map
Winnemucca covers about 9.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 845 people per square mile. For the state's biggest city, Las Vegas, the distance is roughly 353 miles. A 50-mile radius around Winnemucca takes in 0 places that are larger. Within the same 50 miles lie 0 smaller Census places.
Which Nevada laws govern a loan in Winnemucca
Nevada has no separate rate rule for Winnemucca; the sourced rows below are what reach every lender that serves its 8,261 people.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Nevada Financial Institutions Division (FID), Department of Business and Industry Source says: "Protects Nevada consumers and strengthens our state's economy by licensing, examining, and supervising banks, credit unions, money transmitters, and related financial services." | Nevada Financial Institutions Division (Department of Business and Industry) as of 2026-09-16 |
| Payday lending status | Legal; deferred deposit loan services must be licensed under NRS 604A Source says: "shall not operate a check-cashing service, deferred deposit loan service, high-interest loan service or title loan service unless the person is licensed with the Commissioner" | Nevada Legislature (Nevada Revised Statutes) as of 2026-09-16 |
| Small-loan / installment lender licensing | Installment loan business requires a license from the Commissioner (NRS 675.060) Source says: "No person may engage in the business of lending in this State without first having obtained a license from the Commissioner pursuant to this chapter" | Nevada Legislature (Nevada Revised Statutes) as of 2026-09-16 |
How Winnemucca compares across Nevada
Within Nevada, Winnemucca holds roughly 0.4% of all residents, the 12th-largest share among 19 places. For population change between 2020 and 2023, Winnemucca ranks 17th of 19 in Nevada (about the 11th percentile). By density, at about 845 people per square mile, it ranks 9th in Nevada. In land area, Winnemucca ranks 14th among Nevada's 19 places.
Common questions
What are my options in Winnemucca if my credit is poor?
What loan size can I expect in Winnemucca?
Do I have to pledge anything to borrow in Winnemucca?
Does comparing loans in Winnemucca cost me credit score points?
Nearby places
- Lovelock, NV — population 1,799
- Carlin, NV — population 1,990
- Fallon, NV — population 9,577
- Elko, NV — population 20,785
- Fernley, NV — population 24,744
- Jordan Valley, OR — population 138
- Sparks, NV — population 110,323
- Yerington, NV — population 3,194