Personal loans in Butte, ND

Butte is a small community in North Dakota, with an estimated 68 residents, and every licensed lender here follows the same state rulebook.

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.

Rate-shopping from Butte costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Butte is home to roughly 68 people and stands 251st by size out of 355 Census places in North Dakota. Every figure below is North Dakota's own, applied to Butte's 68 residents, with the publisher and retrieval date attached. Census figures show Butte holding steady across 2020 to 2023. The nearest larger metro is Drake, ND about 15 miles away.

Butte by the numbers

Only a few things actually differ by place — population, area, location, and the North Dakota rules a lender must follow — and they are below.

What shapes a Butte personal loan

A Butte personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 68 residents. Two numbers drive a Butte loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Butte loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Butte's place among North Dakota's 355 places

Butte is the 251st-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Butte stands 52nd among North Dakota's 355 places — roughly the 85th percentile. Its roughly 276 residents per square mile place it 201st among North Dakota's places. Between 2020 and 2023 the count changed by roughly 0 residents.

A practical checklist for Butte borrowers

A sensible order of operations for a loan in Butte, home to about 68 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  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. Confirm the lender holds a North Dakota licence by checking the regulator named above.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Test the payment against your current bills before you commit.
  7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Butte-specific: the same North Dakota licensing and disclosure rules reach all 68 residents.

What is available to Butte borrowers

Butte is lightly settled, with about 276 people per square mile and 29 larger places within 50 miles. Lenders licensed in North Dakota reach Butte's 68 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Drake, ND about 15 miles away.

Which North Dakota laws govern a loan in Butte

For the roughly 68 residents of Butte, the rules below are North Dakota's own; each row carries its publisher and retrieval date.

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
Maximum legal interest rate (usury cap)Formula ceiling: 6-month U.S. Treasury bill average + 5.5 percentage points, never less than 7%; NDDFI-published rate for September 2026: 9.204%.
Source says: "The rate is equal to five and one-half percent (5.5%) higher than the current cost of money" and "the maximum allowable interest rate ceiling may not be less than seven (7) percent" (NDDFI Usury Rate page; September 2026 rate 9.204%).		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
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 Butte 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 Butte is the same as anywhere in North Dakota.
What loan size can I expect in Butte?
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 Butte?
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 Butte 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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