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.

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.

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.

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.

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
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
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.

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