Personal loans in Abercrombie, ND

Personal loans in Abercrombie are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 258 population. An estimated 258 people make their home in Abercrombie, a figure that ranks 135th in North Dakota. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Abercrombie loan. A 2020-to-2023 comparison shows Abercrombie up by about 4.0%. State law, not city hall, decides what a lender may do to Abercrombie's roughly 258 residents, and a state regulator supervises it. Borrowers who want a bigger city can look to Walcott, ND about 12 miles away.

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.

The Abercrombie data picture

The figures below are Abercrombie's own — Census population, land area and coordinates — followed by the North Dakota rules.

Land, water and location for Abercrombie

Abercrombie covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 782 people per square mile. Fargo, the largest place in North Dakota, is about 29 miles from Abercrombie. A 50-mile radius around Abercrombie takes in 43 places that are larger. The 100-mile radius contains 133 larger places.

Where Abercrombie sits in North Dakota

Among North Dakota's 355 places, Abercrombie sits at 135th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 19th of 355 North Dakota places, putting it near the 95th percentile for growth. At about 782 people per square mile, Abercrombie is the 73rd most densely settled place in North Dakota. In land area, Abercrombie ranks 242nd among North Dakota's 355 places.

The state rulebook for Abercrombie

The rows below set out what a licensed lender must follow in North Dakota, and so for Abercrombie's roughly 258 residents.

RuleDetailSource
State lending regulatorNorth Dakota Department of Financial Institutions (NDDFI)
Source says: "The Department also licenses and regulates Money Brokers... Deferred Presentment Service Providers (Payday Lenders), Collection Agencies, Debt Settlement Service Providers, and Money Transmitters."
North Dakota Department of Financial Institutions
as of 2026-09-16
Usury penalties (state-specific rule)Usury forfeits all interest plus 25% of principal; charging usurious interest is a class B misdemeanor.
Source says: "shall be deemed a forfeiture of the entire interest" and "a forfeiture of twenty-five percent of the principal" (N.D.C.C. 47-14-10); usury is a class B misdemeanor (47-14-11).
North Dakota Legislative Branch
as of 2026-09-16
Maximum legal interest rate (usury cap)Formula ceiling: 6-month U.S. Treasury bill average + 5.5 percentage points, never less than 7%; NDDFI-published rate for September 2026: 9.204%.
Source says: "The rate is equal to five and one-half percent (5.5%) higher than the current cost of money" and "the maximum allowable interest rate ceiling may not be less than seven (7) percent" (NDDFI Usury Rate page; September 2026 rate 9.204%).
North Dakota Department of Financial Institutions
as of 2026-09-16

A pre-application checklist for Abercrombie

These steps shape the offer you get in Abercrombie, a place of about 258 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the North Dakota licence with the regulator named above before committing.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Abercrombie-specific: the same North Dakota licensing and disclosure rules reach all 258 residents.

The anatomy of a Abercrombie personal loan

With roughly 258 residents, Abercrombie is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Abercrombie lender to disclose the APR and finance charge before you sign. The term you choose in Abercrombie decides the split between a comfortable payment and the total interest you pay.

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 Abercrombie 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 Abercrombie is the same as anywhere in North Dakota.
What loan size can I expect in Abercrombie?
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 Abercrombie?
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 Abercrombie 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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