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.
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.
- Population: about 165 people live here, which puts Winton 686th of 853 Census places in Minnesota (Vintage 2023).
- Population trend: No meaningful shift since the 2020 count.
- Size percentile: about 20% of Minnesota's Census places are smaller than Winton.
- Population density: 1,352 people per square mile on 0.1 square miles of land.
- Land area rank: Winton's 0.1 square miles rank 845th of 853 places in Minnesota.
- Share of state population: Winton's 165 residents are about 0.0% of Minnesota.
- National standing: Winton ranks 17,048th of 19,457 US places.
- Growth rank: Winton's 2020-to-2023 change ranks 326th of 853 places in Minnesota.
- Versus Minnesota: the state average change is +0.1%, while Winton moved 0.0%.
- Density in Minnesota: Winton ranks 168th by people per square mile.
- Against the state median: Winton runs about 1,352 residents per square mile, where the Minnesota median is 607.
- Location: it lies at 47.9292, -91.8013 in the Census Gazetteer.
- Nearest larger cities: Ely (3 mi); Babbitt (21 mi); Tower (23 mi); Hoyt Lakes (29 mi); Aurora (34 mi). Online lenders reach Winton no matter how far the nearest branch is.
- Nearest smaller towns: McKinley (40 mi); Leonidas (48 mi); Kinney (51 mi).
- Smaller neighbours: 2 places smaller than Winton sit within 50 miles.
- At 100 miles: 51 larger Census places fall inside that radius.
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.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Regulated 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.
Common questions
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Nearby places
- Ely, MN — population 3,223
- Babbitt, MN — population 1,376
- Hoyt Lakes, MN — population 1,990
- Tower, MN — population 424
- Aurora, MN — population 1,660
- Biwabik, MN — population 963
- McKinley, MN — population 103
- Gilbert, MN — population 1,664