Personal loans in Binford, ND

In Binford, one of 355 Census places in North Dakota, the figure to compare across lenders is the APR, not the advertised rate. Which products a lender may offer to Binford's 163 residents follows from the North Dakota consumer-lending framework. If debt is already a strain, a nonprofit credit counsellor can help Binford residents before they take on more. The nearest larger city is Cooperstown, ND about 13 miles away.

Where Binford stands

What follows is Binford's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.

• Population: an estimated 163 residents, 175th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 3.0% since the 2020 count.
• Net change: roughly 5 fewer people than the 2020 Census counted.
• Size percentile: Binford sits ahead of around 51% of North Dakota places, at 163 people.
• Density: roughly 462 residents per square mile, spread over 0.4 sq mi of land.
• By land area: Binford ranks 231st among North Dakota's 355 places, at 0.4 sq mi.
• State population share: Binford accounts for about 0.0% of everyone in North Dakota.
• National standing: Binford ranks 17,069th of 19,457 US places.
• Growth rank: Binford's 2020-to-2023 change ranks 250th of 355 places in North Dakota.
• Versus North Dakota: the state average change is -1.2%, while Binford moved 3.0%.
• Density rank: Binford places 145th among North Dakota's places by people per square mile.
• Density in context: Binford's 462 people per square mile sit against a North Dakota median of 352.
• Location: coordinates 47.5604, -98.3456 (US Census Bureau Gazetteer).
• Nearest larger cities: Cooperstown (13 mi); McVille (16 mi); Aneta (19 mi); Finley (24 mi); Wimbledon (28 mi). Living near a larger metro rarely changes what is available in Binford.
• Smaller communities close by: McHenry (11 mi); Glenfield (13 mi); Pekin (16 mi), each with its own Census population profile.
• Smaller neighbours: 29 places smaller than Binford sit within 50 miles.
• At 100 miles: 106 larger Census places fall inside that radius.

What North Dakota law requires in Binford

The rows below set out what a licensed lender must follow in North Dakota, and so for Binford's roughly 163 residents.

How Binford compares across North Dakota

Within North Dakota, Binford holds roughly 0.0% of all residents, the 175th-largest share among 355 places. On the 2020-to-2023 trend, Binford stands 250th among North Dakota's 355 places — roughly the 30th percentile. At about 462 people per square mile, Binford is the 145th most densely settled place in North Dakota. By land area, its 0.4 square miles rank 231st of 355 places in North Dakota.

The anatomy of a Binford personal loan

In Binford, a small community of about 163, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Binford. Because the payment is fixed, the total cost of a Binford loan is knowable in advance — unlike a revolving card balance.

Steps to take before a Binford loan

Before you apply in Binford, a community of about 163, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Verify the lender's North Dakota licence with the regulator listed on this page.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Weigh a shorter term's higher payment against the interest it saves.

In Binford as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 163 residents.

The geography behind Binford

Inside Binford's boundaries lie about 0.4 square miles of land, with no significant water area recorded. Spread across it are roughly 462 residents per square mile. For the state's biggest city, Fargo, the distance is roughly 86 miles. Binford has 20 larger places within a 50-mile radius. By land area it ranks 231st of 355 North Dakota places.