Personal loans in Dazey, ND

If you are weighing a personal loan in Dazey, start from the payment you can carry; its 75 residents face the same statewide rules. With 75 residents, Dazey outranks about 31% of the communities in North Dakota.

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.

The nearest larger metro is Hannaford, ND about 9 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 2.6%. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Dazey as from the rest of the state. Read the disclosure for an origination fee and any prepayment penalty before signing in Dazey.

The Dazey data picture

What follows is Dazey's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.

How lenders reach Dazey

At roughly 198 people per square mile, Dazey is lightly settled; 36 larger places lie within 50 miles. Whether Dazey has a local branch or not, a North Dakota-licensed lender can serve its 75 people online on the same terms. The nearest bigger place is Hannaford, ND about 9 miles away.

Dazey against the rest of North Dakota

Among North Dakota's 355 places, Dazey sits at 246th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 225th of 355 North Dakota places, putting it near the 37th percentile for growth. By density, at about 198 people per square mile, it ranks 250th in North Dakota. Within 50 miles sit 17 smaller Census places, alongside the 36 that are larger.

What North Dakota law requires in Dazey

These are North Dakota's sourced lending facts as they reach Dazey's 75 residents; the state has no city-level rate rule.

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

A practical checklist for Dazey borrowers

Complete these steps first when you borrow in Dazey (75 residents):

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Make sure the lender appears in the North Dakota regulator's licence list.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Test the payment against your current bills before you commit.

The process is identical across North Dakota; what changes is your credit file, not the fact that Dazey holds 75 people.

What shapes a Dazey personal loan

A Dazey personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 75 residents. Federal Truth in Lending rules require a Dazey lender to disclose the APR and finance charge before you sign. The term you choose in Dazey 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 Dazey 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 Dazey is the same as anywhere in North Dakota.
What loan size can I expect in Dazey?
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 Dazey?
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 Dazey 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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