Personal loans in Amidon, ND
Amidon, North Dakota — home to about 23 people — is a small community, so the terms you are offered follow North Dakota law rather than any local rule.
The Census counts 23 people in Amidon, the 320th-largest figure among North Dakota's 355 places. The trend for Amidon between 2020 and 2023 is downward by roughly 4.2%. Use the calculator on this page to price an amount and term before you commit in Amidon. Borrowers who want a bigger city can look to Bowman, ND about 21 miles away. A lender that serves Amidon operates under North Dakota lending statutes and a North Dakota supervisor.
The Amidon data picture
Here is the sourced Census picture for Amidon, plus the North Dakota lending rules that apply to a loan taken out here.
- Population: about 23, ranked 320th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 4.2% from 2020 to 2023.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: roughly 10% of North Dakota's places have fewer residents than Amidon's 23.
- Population density: 37 people per square mile on 0.6 square miles of land.
- Land area rank: Amidon's 0.6 square miles rank 165th of 355 places in North Dakota.
- Share of North Dakota: Amidon holds about 0.0% of the state's population, some 23 people.
- National rank: Amidon is the 19,303rd most populous of the 19,457 Census places covered here.
- Growth in North Dakota: Amidon stands 305th by percentage change from 2020 to 2023, among 355 places.
- Versus North Dakota: the state average change is -1.2%, while Amidon moved 4.2%.
- Density rank: Amidon places 337th among North Dakota's places by people per square mile.
- Against the state median: Amidon runs about 37 residents per square mile, where the North Dakota median is 352.
- Location: coordinates 46.4822, -103.3196 (US Census Bureau Gazetteer).
- Nearest larger cities: Bowman (21 mi); New England (22 mi); Rhame (23 mi); Scranton (24 mi); Belfield (29 mi). Larger metros often have more branches, but online lenders reach Amidon on the same terms.
- Smaller towns nearby: Gascoyne (28 mi); Bucyrus (38 mi); Haynes (54 mi).
- Smaller neighbours: 2 places smaller than Amidon sit within 50 miles.
- Within 100 miles: 51 places are larger than Amidon.
Amidon's place among North Dakota's 355 places
Among North Dakota's 355 places, Amidon sits at 320th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 305th of 355 North Dakota places, putting it near the 14th percentile for growth. Its roughly 37 residents per square mile place it 337th among North Dakota's places. The population moved by about 1 people between 2020 and 2023, a 4.2% shift.
North Dakota rules behind a Amidon personal loan
For the roughly 23 residents of Amidon, the rules below are North Dakota's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | North 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 |
| 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 |
| Payday lending status | Legal for licensed deferred presentment service providers; fee capped at 20% of amount advanced; max $500 per transaction; $600 aggregate outstanding per customer. Source says: "A licensee may charge a fee for the deferred presentment service, not to exceed twenty percent of the amount paid to the customer" (N.D.C.C. 13-08-12); "may not disburse more than five hundred dollars to the customer in a deferred presentment service transaction" (13-08-12.3). | North Dakota Legislative Branch as of 2026-09-16 |
Steps to take before a Amidon loan
Complete these steps first when you borrow in Amidon (23 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the North Dakota regulator's licence records before you sign.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
What differs between Amidon and the rest of North Dakota is not the process but the borrower's own file, among the 23 people here.
Amidon: area, density and distance
Amidon covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 37 residents per square mile. For the state's biggest city, Fargo, the distance is roughly 309 miles. A 50-mile radius around Amidon takes in 18 places that are larger. By land area it ranks 165th of 355 North Dakota places.
How a Amidon personal loan is priced
A Amidon personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 23 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Amidon. Shortening the term on a Amidon loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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What loan size can I expect in Amidon?
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Nearby places
- Bowman, ND — population 1,411
- Scranton, ND — population 248
- Rhame, ND — population 156
- Belfield, ND — population 969
- Gascoyne, ND — population 19
- New England, ND — population 676
- Medora, ND — population 155
- South Heart, ND — population 403