Personal loans in Dickey, ND

With roughly 50 residents, Dickey is a small community, and the lending rules its borrowers live under are written in North Dakota, not by the city. The trend for Dickey between 2020 and 2023 is upward by roughly 8.7%. By population, Dickey sits at 278th in North Dakota, with an estimated 50 residents. Compare APR, not the interest rate, because the APR folds in most fees on a Dickey loan. Which products a lender may offer to Dickey's 50 residents follows from the North Dakota consumer-lending framework. The closest larger city is Marion, ND about 8 miles away.

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.

Dickey: population, trend and location

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

Dickey's place among North Dakota's 355 places

Set beside North Dakota's 355 places, Dickey ranks 278th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Dickey ranks 10th of 355 in North Dakota (about the 97th percentile). By density, at about 209 people per square mile, it ranks 242nd in North Dakota. Within 50 miles sit 12 smaller Census places, alongside the 36 that are larger.

Borrowing reach in Dickey

Dickey is a lightly settled community of about 50 people, with 36 larger places inside a 50-mile radius. A North Dakota licence lets a lender serve Dickey without a local office, so branch density does not change what its 50 residents are offered. The nearest bigger place is Marion, ND about 8 miles away.

The state rulebook for Dickey

Every row below records a North Dakota rule, its publisher and its retrieval date — the same rules a Dickey 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

Inside a Dickey personal loan

In Dickey, a small community of about 50, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Dickey. The term you choose in Dickey decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Dickey

Dickey covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 209 people per square mile. The state's population centre of gravity, Fargo, is roughly 81 miles away. Within 50 miles of Dickey there are 36 larger Census places. The 100-mile radius contains 167 larger places.

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