Personal loans in Winthrop, MN

From the 2020 Census base to the 2023 estimate, the population declined by about 0.3%. A single loan can carry different costs on either side of a state line, and Winthrop sits on the Minnesota side of that line. For a community of about 1,328, the practical step is to compare APR across at least three lenders before committing. Borrowers who want a bigger city can look to Gaylord, MN about 7 miles away.

The Winthrop data picture

What follows is Winthrop's place in the Census record, alongside the Minnesota rules that govern a personal loan made here.

• Population: 1,328 people, a figure that places Winthrop 316th among the 853 Census places in Minnesota (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 0.3% between 2020 and 2023.
• Absolute change: 4 residents lost between 2020 and 2023.
• Size percentile: roughly 63% of Minnesota places rank below Winthrop.
• Density: roughly 1,042 residents per square mile, spread over 1.3 sq mi of land.
• Land area rank: Winthrop's 1.3 square miles rank 439th of 853 places in Minnesota.
• Share of state population: Winthrop's 1,328 residents are about 0.0% of Minnesota.
• National rank: Winthrop is the 9,181st most populous of the 19,457 Census places covered here.
• Growth rank: Winthrop ranks 377th among Minnesota's 853 places for the 2020-to-2023 change.
• Against the state trend: Winthrop's 0.3% change compares with a Minnesota average of +0.1% across its 853 places.
• Density in Minnesota: Winthrop ranks 256th by people per square mile.
• Density in context: Winthrop's 1,042 people per square mile sit against a Minnesota median of 607.
• Location: 44.5423, -94.3600 (Census Gazetteer coordinates).
• Nearest larger cities: Gaylord (7 mi); Arlington (15 mi); New Ulm (17 mi); Glencoe (19 mi); Le Sueur (23 mi). Larger metros often have more branches, but online lenders reach Winthrop on the same terms.
• Nearest smaller places: Lafayette (7 mi); Gibbon (8 mi); New Auburn (11 mi).
• Smaller places within 50 miles: 64 of them.
• Larger places within 100 miles: 250.

Where Winthrop sits

The Census Gazetteer records about 1.3 square miles of land within Winthrop, with no significant water area listed. Spread across it are roughly 1,042 residents per square mile. Minneapolis, the largest place in Minnesota, is about 61 miles from Winthrop. Counting outward 50 miles, 61 larger communities surround Winthrop. Within the same 50 miles lie 64 smaller Census places.

What Minnesota law requires in Winthrop

Minnesota has no separate rate rule for Winthrop; the sourced rows below are what reach every lender that serves its 1,328 people.

Lender access in Winthrop

With about 1,042 residents per square mile, Winthrop is moderately settled, and 61 larger Census places sit within 50 miles. What is available to Winthrop's 1,328 borrowers is set by Minnesota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Gaylord, MN about 7 miles away.

The anatomy of a Winthrop personal loan

Winthrop is a small community of about 1,328 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Winthrop's 1,328 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Winthrop decides the split between a comfortable payment and the total interest you pay.

Winthrop's place among Minnesota's 853 places

Against Minnesota's other places, Winthrop accounts for about 0.0% of the state's population and ranks 316th of 853 by size. Its 2020-to-2023 change ranks 377th of 853 Minnesota places, putting it near the 56th percentile for growth. By density, at about 1,042 people per square mile, it ranks 256th in Minnesota. The population moved by about 4 people between 2020 and 2023, a 0.3% shift.