Personal loans in Arthur, ND

The roughly 324 people who live in Arthur borrow under North Dakota rules; city hall sets no personal-loan rate. Price two or three terms so you can see which payment is truly affordable in Arthur.

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 324 residents in Arthur, which ranks it 117th of 355 places in North Dakota. Lenders active in Arthur report to a North Dakota supervisor, identified in the sourced rows below. A 2020-to-2023 comparison shows Arthur down by about 0.9%. A larger market lies at Hunter, ND about 6 miles away.

Arthur by the numbers

Read the local figures below as context; read the sourced North Dakota table as the rulebook a lender here must follow.

Inside a Arthur personal loan

Arthur is a small community of about 324 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Arthur's rank of 117th in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Arthur decides the split between a comfortable payment and the total interest you pay.

Arthur on the map

Arthur covers about 1.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 324 residents, the land area yields roughly 212 people per square mile. Fargo, the largest place in North Dakota, is about 25 miles from Arthur. Arthur has 32 larger places within a 50-mile radius. Within the same 50 miles lie 47 smaller Census places.

Lender access in Arthur

With about 212 residents per square mile, Arthur is lightly settled, and 32 larger Census places sit within 50 miles. Lenders licensed in North Dakota reach Arthur's 324 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Hunter, ND about 6 miles away.

North Dakota rules behind a Arthur personal loan

Every row below records a North Dakota rule, its publisher and its retrieval date — the same rules a Arthur lender must follow.

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
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
Small-loan / installment lender licensingMoney broker license required to engage in money brokering (arranging/providing loans); issued by the commissioner of financial institutions.
Source says: "may not engage in money brokering in the state of North Dakota without a money broker license issued by the commissioner" (N.D.C.C. 13-04.1-02).		North Dakota Legislative Branch
as of 2026-09-16

A pre-application checklist for Arthur

Complete these steps first when you borrow in Arthur (324 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's North Dakota licence with the regulator listed on this page.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Decide the purpose and how you will repay it before approaching any lender.

In Arthur as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 324 residents.

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