Personal loans in Brinsmade, ND
An estimated 29 people make their home in Brinsmade, a figure that ranks 310th in North Dakota. Population in Brinsmade dropped about 3.3% over the three years from 2020 to 2023. Two households in Brinsmade with comparable incomes can still be offered different rates; the city's 29 residents are not the reason. Rate ceilings, licensing requirements and product limits for Brinsmade are all set at the North Dakota level. Work out your debt-to-income ratio first; lenders weigh it heavily, and Brinsmade's 29 residents are no exception. The next larger city is Minnewaukan, ND about 8 miles away.
What the Census records for Brinsmade
Two layers matter for a Brinsmade borrower: the local population picture and North Dakota's consumer-lending statutes.
- Population: 29 residents; Brinsmade is the 310th-largest of 355 places in North Dakota (US Census Bureau, Vintage 2023).
- Population trend: Roughly 3.3% fewer residents than the 2020 Census counted.
- Net change: roughly 1 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 13% of the places in North Dakota, with 29 residents in Brinsmade.
- Population density: about 106 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Brinsmade's 0.3 square miles rank 274th of 355 places in North Dakota.
- Within North Dakota: about 0.0% of the state's population lives in Brinsmade.
- National standing: Brinsmade ranks 19,238th of 19,457 US places.
- Growth rank: Brinsmade's 2020-to-2023 change ranks 274th of 355 places in North Dakota.
- Versus North Dakota: the state average change is -1.2%, while Brinsmade moved 3.3%.
- Density rank: Brinsmade places 291st among North Dakota's places by people per square mile.
- Against the state median: Brinsmade runs about 106 residents per square mile, where the North Dakota median is 352.
- Location: 48.1840, -99.3236 (US Census Bureau Gazetteer).
- Nearest larger cities: Minnewaukan (8 mi); Leeds (9 mi); Maddock (18 mi); Oberon (19 mi); Devils Lake (21 mi). Lenders licensed in the state serve Brinsmade whether or not they keep a local branch.
- Nearest smaller towns: York (15 mi); Knox (20 mi); Hamberg (30 mi).
- Smaller neighbours: 11 places smaller than Brinsmade sit within 50 miles.
- At 100 miles: 134 larger Census places fall inside that radius.
The geography behind Brinsmade
The Census Gazetteer records about 0.3 square miles of land within Brinsmade, with no significant water area listed. Spread across it are roughly 106 residents per square mile. Fargo, the largest place in North Dakota, is about 148 miles from Brinsmade. A 50-mile radius around Brinsmade takes in 32 places that are larger. Within the same 50 miles lie 11 smaller Census places.
A practical checklist for Brinsmade borrowers
A sensible order of operations for a loan in Brinsmade, home to about 29 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Make sure the lender appears in the North Dakota regulator's licence list.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
None of these steps is Brinsmade-specific: the same North Dakota licensing and disclosure rules reach all 29 residents.
What a Brinsmade borrower is actually offered
With roughly 29 residents, Brinsmade is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Brinsmade. Shortening the term on a Brinsmade loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
North Dakota consumer-lending rules applied in Brinsmade
When North Dakota does not publish a figure, the row links to the source instead of inventing a number; Brinsmade is bound by the same rules.
| 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 |
| Payday lending status | Legal 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 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 |
Brinsmade against the rest of North Dakota
Among North Dakota's 355 places, Brinsmade sits at 310th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Brinsmade ranks 274th of 355 in North Dakota (about the 23th percentile). At about 106 people per square mile, Brinsmade is the 291st most densely settled place in North Dakota. In land area, Brinsmade ranks 274th among North Dakota's 355 places.
Common questions
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Nearby places
- Minnewaukan, ND — population 187
- Leeds, ND — population 423
- York, ND — population 14
- Oberon, ND — population 93
- Maddock, ND — population 384
- Cando, ND — population 1,047
- Knox, ND — population 20
- Sheyenne, ND — population 178