Personal loans in Calio, ND

The roughly 5 people who live in Calio borrow under North Dakota rules; city hall sets no personal-loan rate. Calio's population was effectively unchanged from the 2020 count to the 2023 estimate.

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.

Calio is one of 355 Census places in North Dakota; its 5 residents put it at 353rd. Rate-shopping from Calio costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A single loan can carry different costs on either side of a state line, and Calio sits on the North Dakota side of that line. The nearest larger city is Munich, ND about 6 miles away.

The Calio data picture

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

Where Calio sits

Calio's land area is about 8.2 square miles; a further 0.74 square miles is water. The resulting density is about 1 people per square mile. The largest place in North Dakota, Fargo, lies about 156 miles away. Counting outward 50 miles, 39 larger communities surround Calio. By land area it ranks 14th of 355 North Dakota places.

The North Dakota lending rules that reach Calio

This table holds the North Dakota rate and licensing rules for consumer loans made to Calio's 5 residents.

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

How Calio compares across North Dakota

Against North Dakota's other places, Calio accounts for about 0.0% of the state's population and ranks 353rd of 355 by size. Its 2020-to-2023 change ranks 87th of 355 North Dakota places, putting it near the 75th percentile for growth. Its roughly 1 residents per square mile place it 354th among North Dakota's places. In land area, Calio ranks 14th among North Dakota's 355 places.

Borrowing reach in Calio

Calio is sparsely settled, with about 1 people per square mile and 39 larger places within 50 miles. Lenders licensed in North Dakota reach Calio's 5 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Munich, ND about 6 miles away.

How personal loans work in Calio

Calio is a small community of about 5 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Calio's 5 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Calio decides the split between a comfortable payment and the total interest you pay.

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