Personal loans in Belfield, ND
The first question in Belfield is not the rate on offer but whether the payment fits; about 969 people live here under North Dakota lending law. Belfield ranks 53rd of 355 places in North Dakota, with a population near 969.
A 2020-to-2023 comparison shows Belfield down by about 2.6%. Every figure below is North Dakota's own, applied to Belfield's 969 residents, with the publisher and retrieval date attached. Work out your debt-to-income ratio first; lenders weigh it heavily, and Belfield's 969 residents are no exception. The closest larger city is Dickinson, ND about 19 miles away.
Where Belfield stands
Set out below is Belfield's local context next to the state-level rules that reach every lender here.
- Population: about 969 people live here, which puts Belfield 53rd of 355 Census places in North Dakota (Vintage 2023).
- Population trend: Down about 2.6% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 26 fewer people than the 2020 Census counted.
- Size percentile: roughly 85% of North Dakota places rank below Belfield.
- Land and density: 1.7 square miles of land carry roughly 578 residents per square mile.
- Land area: Belfield covers 1.7 square miles, the 51st-largest area among North Dakota's 355 places.
- Water area rank: Belfield ranks 52nd among North Dakota's 355 places, with 0.01 sq mi.
- State share: roughly 0.2% of North Dakota's residents live in Belfield (969 people).
- National rank: Belfield is 10,351st of 19,457 places nationwide.
- Growth in North Dakota: Belfield stands 228th by percentage change from 2020 to 2023, among 355 places.
- State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Belfield's 2.6%.
- Density rank: Belfield places 119th among North Dakota's places by people per square mile.
- Density vs North Dakota: Belfield's 578 people per square mile compare with a state median of 352.
- Location: it lies at 46.8868, -103.1955 in the Census Gazetteer.
- Nearest larger cities: Dickinson (19 mi); Beach (38 mi); Bowman (50 mi); Baker (63 mi); Watford City (63 mi). Living near a larger metro rarely changes what is available in Belfield.
- Nearest smaller towns: South Heart (10 mi); Medora (16 mi); New England (29 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 13 of them.
- Larger places within 100 miles: 15.
Belfield: area, density and distance
Inside Belfield's boundaries lie roughly 1.7 square miles of land and 0.01 square miles of water. Spread across it are roughly 578 residents per square mile. The state's population centre of gravity, Fargo, is roughly 301 miles away. Counting outward 50 miles, 3 larger communities surround Belfield. The 100-mile radius contains 15 larger places.
How lenders reach Belfield
Belfield is moderately settled, with about 578 people per square mile and 3 larger places within 50 miles. What is available to Belfield's 969 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Dickinson, ND about 19 miles away.
What North Dakota law requires in Belfield
These are North Dakota's sourced lending facts as they reach Belfield's 969 residents; the state has no city-level rate rule.
| 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 |
| Small-loan / installment lender licensing | Money 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 |
| 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 |
Belfield in state context
Belfield is the 53rd-largest of 355 Census places in North Dakota and contains about 0.2% of the state's people. For population change between 2020 and 2023, Belfield ranks 228th of 355 in North Dakota (about the 36th percentile). Its roughly 578 residents per square mile place it 119th among North Dakota's places. The population moved by about 26 people between 2020 and 2023, a 2.6% shift.
What a Belfield borrower is actually offered
Belfield is a small community of about 969 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Belfield can be quoted different APRs on the same amount and term. Shortening the term on a Belfield loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
What are my options in Belfield if my credit is poor?
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Does comparing loans in Belfield cost me credit score points?
Nearby places
- South Heart, ND — population 403
- Medora, ND — population 155
- Dickinson, ND — population 25,130
- Amidon, ND — population 23
- New England, ND — population 676
- Gladstone, ND — population 271
- Sentinel Butte, ND — population 63
- Killdeer, ND — population 908