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.
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.
- Population: a Census-estimated 349, 113th among North Dakota's 355 places (Vintage 2023).
- Population trend: About level with the 2020 Census.
- Size percentile: roughly 68% of North Dakota places rank below Buxton.
- Density: roughly 1,045 residents per square mile, spread over 0.3 sq mi of land.
- Land area rank: Buxton's 0.3 square miles rank 239th of 355 places in North Dakota.
- State share: roughly 0.1% of North Dakota's residents live in Buxton (349 people).
- National rank: Buxton is 14,599th of 19,457 places nationwide.
- Growth rank: Buxton's 2020-to-2023 change ranks 46th of 355 places in North Dakota.
- Against the state trend: Buxton's 0.0% change compares with a North Dakota average of -1.2% across its 355 places.
- Density rank: Buxton is the 49th most densely settled place in North Dakota.
- Density in context: Buxton's 1,045 people per square mile sit against a North Dakota median of 352.
- Location: 47.6021, -97.0975 (US Census Bureau Gazetteer).
- Nearest larger cities: Thompson (12 mi); Mayville (13 mi); Hillsboro (14 mi); Portland (15 mi); Hatton (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Reynolds (5 mi); Climax (13 mi); Nielsville (14 mi).
- Smaller places within 50 miles: 35 of them.
- Larger places within 100 miles: 85.
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.
| 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 |
| 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 |
| 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.
Common questions
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Nearby places
- Reynolds, ND — population 268
- Thompson, ND — population 1,069
- Hillsboro, ND — population 1,641
- Mayville, ND — population 1,805
- Climax, MN — population 240
- Portland, ND — population 577
- Nielsville, MN — population 77
- Shelly, MN — population 176