Personal loans in Garrison, ND

The first question in Garrison is not the rate on offer but whether the payment fits; about 1,464 people live here under North Dakota lending law. Decide the purpose of the loan and your repayment plan before sharing any details with a Garrison lender. For the 1,464 people in Garrison, North Dakota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Hazen, ND about 26 miles away.

Garrison: population, trend and location

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

• Population: about 1,464 people live here, which puts Garrison 32nd of 355 Census places in North Dakota (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 0.3%.
• Absolute change: 4 residents lost between 2020 and 2023.
• Size percentile: about 91% of North Dakota communities are smaller than Garrison (1,464 residents).
• Density: roughly 1,046 residents per square mile, spread over 1.4 sq mi of land.
• By land area: Garrison ranks 73rd among North Dakota's 355 places, at 1.4 sq mi.
• Share of state population: Garrison's 1,464 residents are about 0.2% of North Dakota.
• Nationally: Garrison is the 8,771st-largest of 19,457 Census places in the dataset.
• Growth rank: Garrison ranks 95th among North Dakota's 355 places for the 2020-to-2023 change.
• Versus North Dakota: the state average change is -1.2%, while Garrison moved 0.3%.
• Density rank: Garrison is the 48th most densely settled place in North Dakota.
• Against the state median: Garrison runs about 1,046 residents per square mile, where the North Dakota median is 352.
• Location: latitude 47.6532, longitude -101.4219 (Census Gazetteer).
• Nearest larger cities: Hazen (26 mi); Beulah (31 mi); Minot (41 mi); New Town (55 mi); Mandan (62 mi). Online lenders reach Garrison no matter how far the nearest branch is.
• Nearest smaller places: Pick City (10 mi); Riverdale (11 mi); Coleharbor (12 mi).
• Within a 50-mile radius: 35 smaller Census places.
• At 100 miles: 14 larger Census places fall inside that radius.

How a Garrison personal loan is priced

In Garrison, a small community of about 1,464, 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 Garrison. Shortening the term on a Garrison loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Lender access in Garrison

With about 1,046 residents per square mile, Garrison is moderately settled, and 3 larger Census places sit within 50 miles. What is available to Garrison's 1,464 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Hazen, ND about 26 miles away.

A practical checklist for Garrison borrowers

Before you apply in Garrison, a community of about 1,464, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the North Dakota regulator's licence list.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Garrison as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 1,464 residents.

What North Dakota law requires in Garrison

These are North Dakota's sourced lending facts as they reach Garrison's 1,464 residents; the state has no city-level rate rule.

Garrison on the map

The Census Gazetteer records about 1.4 square miles of land within Garrison, with no significant water area listed. The resulting density is about 1,046 people per square mile. The state's population centre of gravity, Fargo, is roughly 222 miles away. A 50-mile radius around Garrison takes in 3 places that are larger. The 100-mile radius contains 14 larger places.