Personal loans in Flaxton, ND

Personal loans in Flaxton are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 61 population. By population, Flaxton sits at 264th in North Dakota, with an estimated 61 residents.

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.

Census figures put the 2020-to-2023 decrease in Flaxton at about 3.2%. Consumer lending that reaches Flaxton's 61 residents is governed by North Dakota statute; no city ordinance changes it. Compare APR, not the interest rate, because the APR folds in most fees on a Flaxton loan. The closest larger place is Lignite, ND about 8 miles away.

Flaxton: population, trend and location

Only a few things actually differ by place — population, area, location, and the North Dakota rules a lender must follow — and they are below.

Getting a loan in Flaxton

At roughly 216 people per square mile, Flaxton is lightly settled; 20 larger places lie within 50 miles. Distance to a branch rarely matters for Flaxton's 61 residents: the application is online and the price follows your credit file. The nearest bigger place is Lignite, ND about 8 miles away.

Where Flaxton sits in North Dakota

Flaxton is the 264th-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 267th of 355 North Dakota places, putting it near the 25th percentile for growth. At about 216 people per square mile, Flaxton is the 236th most densely settled place in North Dakota. In land area, Flaxton ranks 271st among North Dakota's 355 places.

A pre-application checklist for Flaxton

Before you hand your details to a lender in Flaxton, where the population is near 61:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Check the North Dakota regulator's records to confirm the lender is licensed here.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. 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 Flaxton holds 61 people.

What North Dakota law requires in Flaxton

For the roughly 61 residents of Flaxton, the rules below are North Dakota's own; each row carries its publisher and retrieval date.

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
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
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

Flaxton on the map

Flaxton covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 216 people per square mile. The state's population centre of gravity, Fargo, is roughly 293 miles away. Flaxton has 20 larger places within a 50-mile radius. The 100-mile radius contains 56 larger places.

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