Personal loans in Winton, MN

Winton's population was effectively unchanged from the 2020 count to the 2023 estimate. With roughly 165 residents, Winton is a small community, and the lending rules its borrowers live under are written in Minnesota, not by the city. At about 165 residents, Winton is larger than roughly 20% of the places in Minnesota. The closest larger city is Ely, MN about 3 miles away. For the 165 people in Winton, Minnesota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Compare APR, not the interest rate, because the APR folds in most fees on a Winton loan.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Winton: the sourced local profile

Here is the sourced Census picture for Winton, plus the Minnesota lending rules that apply to a loan taken out here.

The geography behind Winton

Inside Winton's boundaries lie about 0.1 square miles of land, with no significant water area recorded. Spread across it are roughly 1,352 residents per square mile. The largest place in Minnesota, Minneapolis, lies about 216 miles away. Counting outward 50 miles, 12 larger communities surround Winton. By land area it ranks 845th of 853 Minnesota places.

Minnesota rules behind a Winton personal loan

The rows below set out what a licensed lender must follow in Minnesota, and so for Winton's roughly 165 residents.

RuleDetailSource
State lending regulatorMinnesota 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
Payday lending statusLegal 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
Small-loan / installment lender licensingRegulated loan license required from the commissioner for loans within the Chapter 56 threshold (Minn. Stat. § 56.01)
Source says: "without first obtaining a license from the commissioner, no person shall engage in the business of making loans of money"
Minnesota Legislature, Office of the Revisor of Statutes
as of 2026-09-16

Where Winton sits in Minnesota

Against Minnesota's other places, Winton accounts for about 0.0% of the state's population and ranks 686th of 853 by size. On the 2020-to-2023 trend, Winton stands 326th among Minnesota's 853 places — roughly the 62th percentile. By density, at about 1,352 people per square mile, it ranks 168th in Minnesota. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

How a Winton personal loan is priced

In Winton, a small community of about 165, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Winton can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Winton loan but raises total interest, so the smallest payment is not the cheapest loan.

Lender access in Winton

With about 1,352 residents per square mile, Winton is moderately settled, and 12 larger Census places sit within 50 miles. A Minnesota licence lets a lender serve Winton without a local office, so branch density does not change what its 165 residents are offered. For a larger market, the closest option is Ely, MN about 3 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Winton if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Winton is the same as anywhere in Minnesota.
What loan size can I expect in Winton?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Winton?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Winton cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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