Hartland at a glance
- Population: 313 — 583rd in Minnesota, which has 853 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 318 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 1.6% since the 2020 count (US Census Bureau).
- Rank among Minnesota places: 583rd largest of 853 (US Census Bureau).
- Size percentile: about 32% of Minnesota's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 43.8042, -93.4844 in the US Census Bureau Gazetteer.
- Nearest larger cities: New Richland, MN (6 mi); Clarks Grove, MN (8 mi); Ellendale, MN (10 mi); Alden, MN (10 mi); Geneva, MN (11 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Freeborn, MN (5 mi); Manchester, MN (6 mi); Conger, MN (13 mi), per US Census Bureau estimates.
What a personal loan costs in Hartland
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Minnesota lending rules that apply in Hartland
The table lists the Minnesota rules that apply to a loan made in Hartland, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 6% per year legal rate of interest; a different rate may be contracted for in writing (Minn. Stat. § 334.01) Source says: "The interest for any legal indebtedness shall be at the rate of $6 upon $100 for a year" | 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 |
| 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 ability-to-repay requirement | Required for payday loans with an APR above 36% (Minn. Stat. § 47.603) Source says: "This section applies to all payday loans with an annual percentage rate that exceeds 36 percent." | Minnesota Legislature, Office of the Revisor of Statutes as of 2026-09-16 |
How to compare offers in Hartland
Run through this list before signing anything in Hartland:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Minnesota using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.