Personal loans in Buxton, ND

Rate ceilings, licensing requirements and product limits for Buxton are all set at the North Dakota level. A personal loan in Buxton is priced from your credit file and income, not from the fact that the city holds 349 people.

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.

With 349 residents, Buxton outranks about 68% of the communities in North Dakota. Census figures show Buxton holding steady across 2020 to 2023. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Buxton loan. The closest larger city is Thompson, ND about 12 miles away.

Buxton: the sourced local profile

Most of what governs a Buxton loan is written in North Dakota law rather than in the city; the sourced notes below make that split concrete.

What shapes a Buxton personal loan

With roughly 349 residents, Buxton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Buxton lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Buxton loan but raises total interest, so the smallest payment is not the cheapest loan.

The geography behind Buxton

The Census Gazetteer records about 0.3 square miles of land within Buxton, with no significant water area listed. Spread across it are roughly 1,045 residents per square mile. The state's population centre of gravity, Fargo, is roughly 52 miles away. Buxton has 28 larger places within a 50-mile radius. The 100-mile radius contains 85 larger places.

The state rulebook for Buxton

Every row below records a North Dakota rule, its publisher and its retrieval date — the same rules a Buxton lender must follow.

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

How Buxton compares across North Dakota

Against North Dakota's other places, Buxton accounts for about 0.1% of the state's population and ranks 113th of 355 by size. For population change between 2020 and 2023, Buxton ranks 46th of 355 in North Dakota (about the 87th percentile). At about 1,045 people per square mile, Buxton is the 49th most densely settled place in North Dakota. By land area, its 0.3 square miles rank 239th of 355 places in North Dakota.

Lender access in Buxton

Buxton is moderately settled, with about 1,045 people per square mile and 28 larger places within 50 miles. What is available to Buxton's 349 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Thompson, ND about 12 miles away.

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

Nearby places

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