Personal loans in Devils Lake, ND

For a borrower among the roughly 7,135 residents of Devils Lake, a personal loan is a tool whose cost turns on the terms, not the address.

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.

If debt is already a strain, a nonprofit credit counsellor can help Devils Lake residents before they take on more. The Census counts 7,135 people in Devils Lake, the 11th-largest figure among North Dakota's 355 places. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Devils Lake as from the rest of the state. Devils Lake lost roughly 0.7% of its population across the 2020-to-2023 comparison. The nearest larger metro is Grand Forks, ND about 84 miles away.

Devils Lake: the sourced local profile

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

Population: an estimated 7,135 residents, 11th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
Population trend: A decline of about 0.7% across the 2020-to-2023 comparison.
People gained or lost: about 48 fewer since the 2020 base.
Size percentile: about 97% of North Dakota communities are smaller than Devils Lake (7,135 residents).
Density: roughly 1,025 residents per square mile, spread over 7.0 sq mi of land.
Land area: Devils Lake covers 7.0 square miles, the 15th-largest area among North Dakota's 355 places.
Share of North Dakota: Devils Lake holds about 1.2% of the state's population, some 7,135 people.
Nationally: Devils Lake is the 3,950th-largest of 19,457 Census places in the dataset.
Growth rank: Devils Lake ranks 105th among North Dakota's 355 places for the 2020-to-2023 change.
Against the state trend: Devils Lake's 0.7% change compares with a North Dakota average of -1.2% across its 355 places.
Density rank: Devils Lake is the 51st most densely settled place in North Dakota.
Against the state median: Devils Lake runs about 1,025 residents per square mile, where the North Dakota median is 352.
Location: latitude 48.1126, longitude -98.8748 (Census Gazetteer).
Nearest larger cities: Grand Forks (84 mi); Jamestown (84 mi); East Grand Forks (87 mi); Crookston (108 mi); Minot (111 mi). Lenders licensed in the state serve Devils Lake whether or not they keep a local branch.
Smaller places close by: Crary (11 mi); Minnewaukan (18 mi); Warwick (20 mi).
Smaller neighbours: 47 places smaller than Devils Lake sit within 50 miles.
At 100 miles: 3 larger Census places fall inside that radius.

North Dakota rules behind a Devils Lake personal loan

Read the table as a lender's compliance picture for Devils Lake: the rule, the sourced figure, the publisher and the date.

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
Payday lending status	Legal 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
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

How personal loans work in Devils Lake

With roughly 7,135 residents, Devils Lake is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Devils Lake can be quoted different APRs on the same amount and term. The term you choose in Devils Lake decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Devils Lake

Devils Lake is a moderately settled community of about 7,135 people, with 0 larger places inside a 50-mile radius. Whether Devils Lake has a local branch or not, a North Dakota-licensed lender can serve its 7,135 people online on the same terms. For a larger market, the closest option is Grand Forks, ND about 84 miles away.

Devils Lake against the rest of North Dakota

Within North Dakota, Devils Lake holds roughly 1.2% of all residents, the 11th-largest share among 355 places. For population change between 2020 and 2023, Devils Lake ranks 105th of 355 in North Dakota (about the 70th percentile). At about 1,025 people per square mile, Devils Lake is the 51st most densely settled place in North Dakota. The population moved by about 48 people between 2020 and 2023, a 0.7% shift.

Steps to take before a Devils Lake loan

For Devils Lake's roughly 7,135 residents, these are the steps that most influence the offer:

Get your credit reports, dispute what is wrong, and only then start shopping.
Model the payment on the calculator before a lender models it for you.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Confirm the lender holds a North Dakota licence by checking the regulator named above.
Weigh a shorter term's higher payment against the interest it saves.
Borrow only what the purpose requires, not the maximum you are offered.
Be clear on what the loan is for and how it gets repaid.

The process is identical across North Dakota; what changes is your credit file, not the fact that Devils Lake holds 7,135 people.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Devils Lake 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 Devils Lake is the same as anywhere in North Dakota.

What loan size can I expect in Devils Lake?

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 Devils Lake?

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 Devils Lake 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

Crary, ND — population 112
Warwick, ND — population 50
Starkweather, ND — population 97
Sheyenne, ND — population 178
Oberon, ND — population 93
Minnewaukan, ND — population 187
Brinsmade, ND — population 29
Hampden, ND — population 27