Personal loans in Antler, ND

From the 2020 Census base to the 2023 estimate, the population rose by about 5.0%. Two households in Antler with comparable incomes can still be offered different rates; the city's 21 residents are not the reason.

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

Compare loan offers Run the numbers first

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 Census estimates 21 residents in Antler, which ranks it 323rd of 355 places in North Dakota. A larger market lies at Westhope, ND about 13 miles away. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Antler as from the rest of the state. Decide the purpose of the loan and your repayment plan before sharing any details with a Antler lender.

What the Census records for Antler

Most of what governs a Antler loan is written in North Dakota law rather than in the city; the sourced notes below make that split concrete.

The geography behind Antler

The Census Gazetteer records about 0.2 square miles of land within Antler, with no significant water area listed. Spread across it are roughly 113 residents per square mile. The largest place in North Dakota, Fargo, lies about 252 miles away. Counting outward 50 miles, 20 larger communities surround Antler. The 100-mile radius contains 70 larger places.

Borrowing reach in Antler

With about 113 residents per square mile, Antler is lightly settled, and 20 larger Census places sit within 50 miles. What is available to Antler's 21 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Westhope, ND about 13 miles away.

Inside a Antler personal loan

Antler is a small community of about 21 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Antler's 21 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Antler loan is knowable in advance — unlike a revolving card balance.

How North Dakota law applies in Antler

The rows below set out what a licensed lender must follow in North Dakota, and so for Antler's roughly 21 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
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 statusLegal 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

Antler in state context

Among North Dakota's 355 places, Antler sits at 323rd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Antler ranks 15th of 355 in North Dakota (about the 96th percentile). At about 113 people per square mile, Antler is the 286th most densely settled place in North Dakota. The population moved by about 1 people between 2020 and 2023, a 5.0% shift.

Compare personal loan offers Run the numbers first

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

Nearby places

Related