Personal loans in Fordville, ND

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Fordville's 202 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.

If you are weighing a personal loan in Fordville, start from the payment you can carry; its 202 residents face the same statewide rules. Fordville ranks 158th of 355 places in North Dakota, with a population near 202. Fordville lost roughly 2.4% of its population across the 2020-to-2023 comparison. Work out your debt-to-income ratio first; lenders weigh it heavily, and Fordville's 202 residents are no exception. The nearest larger city is Park River, ND about 12 miles away.

What the Census records for Fordville

The figures below are Fordville's own — Census population, land area and coordinates — followed by the North Dakota rules.

North Dakota rules behind a Fordville personal loan

For the roughly 202 residents of Fordville, 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
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

What shapes a Fordville personal loan

Most loans made to Fordville's 202 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Fordville lender to disclose the APR and finance charge before you sign. Shortening the term on a Fordville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Fordville against the rest of North Dakota

Among North Dakota's 355 places, Fordville sits at 158th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 214th of 355 North Dakota places, putting it near the 40th percentile for growth. At about 200 people per square mile, Fordville is the 249th most densely settled place in North Dakota. In land area, Fordville ranks 105th among North Dakota's 355 places.

Fordville: area, density and distance

Inside Fordville's boundaries lie about 1.0 square miles of land, with no significant water area recorded. The resulting density is about 200 people per square mile. The state's population centre of gravity, Fargo, is roughly 104 miles away. Within 50 miles of Fordville there are 29 larger Census places. The 100-mile radius contains 79 larger places.

Lender access in Fordville

At roughly 200 people per square mile, Fordville is lightly settled; 29 larger places lie within 50 miles. Whether Fordville has a local branch or not, a North Dakota-licensed lender can serve its 202 people online on the same terms. The nearest larger city, Park River, ND about 12 miles away.

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