Personal loans in Fort Ransom, ND

Census figures put the 2020-to-2023 increase in Fort Ransom at about 3.2%. By population, Fort Ransom sits at 218th in North Dakota, with an estimated 98 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.

Two households in Fort Ransom with comparable incomes can still be offered different rates; the city's 98 residents are not the reason. Decide the purpose of the loan and your repayment plan before sharing any details with a Fort Ransom lender. Every figure below is North Dakota's own, applied to Fort Ransom's 98 residents, with the publisher and retrieval date attached. The nearest larger metro is Lisbon, ND about 13 miles away.

Borrowing in Fort Ransom: the local picture

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

Land, water and location for Fort Ransom

Inside Fort Ransom's boundaries lie about 0.3 square miles of land, with no significant water area recorded. The resulting density is about 318 people per square mile. The state's population centre of gravity, Fargo, is roughly 57 miles away. A 50-mile radius around Fort Ransom takes in 28 places that are larger. By land area it ranks 253rd of 355 North Dakota places.

Where Fort Ransom sits in North Dakota

Within North Dakota, Fort Ransom holds roughly 0.0% of all residents, the 218th-largest share among 355 places. On the 2020-to-2023 trend, Fort Ransom stands 24th among North Dakota's 355 places — roughly the 93th percentile. At about 318 people per square mile, Fort Ransom is the 189th most densely settled place in North Dakota. Within 50 miles sit 26 smaller Census places, alongside the 28 that are larger.

Which North Dakota laws govern a loan in Fort Ransom

Read the table as a lender's compliance picture for Fort Ransom: the rule, the sourced figure, the publisher and the 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

Lender access in Fort Ransom

Fort Ransom is lightly settled, with about 318 people per square mile and 28 larger places within 50 miles. Lenders licensed in North Dakota reach Fort Ransom's 98 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Lisbon, ND about 13 miles away.

Inside a Fort Ransom personal loan

Fort Ransom is a small community of about 98 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Fort Ransom's 98 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Fort Ransom loan but raises total interest, so the smallest payment is not the cheapest loan.

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