Personal loans in Grand Forks, ND

The Census counts 58,921 people in Grand Forks, the 3rd-largest figure among North Dakota's 355 places. Rate ceilings, licensing requirements and product limits for Grand Forks are all set at the North Dakota level. From the 2020 Census base to the 2023 estimate, the population declined by about 0.4%. Borrowers who want a bigger city can look to Fargo, ND about 74 miles away.

Grand Forks by the numbers

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

• Population: about 58,921 people live here, which puts Grand Forks 3rd of 355 Census places in North Dakota (Vintage 2023).
• Population trend: A decline of about 0.4% across the 2020-to-2023 comparison.
• Net change: roughly 248 fewer people than the 2020 Census counted.
• Size percentile: roughly 99% of North Dakota places rank below Grand Forks.
• Population density: about 2,023 people per square mile across 29.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Grand Forks covers 29.1 square miles, the 4th-largest area among North Dakota's 355 places.
• Water area rank: Grand Forks ranks 11th among North Dakota's 355 places, with 0.20 sq mi.
• Share of state population: Grand Forks's 58,921 residents are about 9.6% of North Dakota.
• National standing: Grand Forks ranks 660th of 19,457 US places.
• Growth in North Dakota: Grand Forks stands 98th by percentage change from 2020 to 2023, among 355 places.
• Against the state trend: Grand Forks's 0.4% change compares with a North Dakota average of -1.2% across its 355 places.
• Density in North Dakota: Grand Forks ranks 8th by people per square mile.
• Density vs North Dakota: Grand Forks's 2,023 people per square mile compare with a state median of 352.
• Location: latitude 47.9196, longitude -97.0873 (Census Gazetteer).
• Nearest larger cities: Fargo (74 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: East Grand Forks (3 mi); Thompson (10 mi); Manvel (11 mi).
• Smaller places within 50 miles: 58 of them.
• At 100 miles: 1 larger Census places fall inside that radius.

Lender access in Grand Forks

With about 2,023 residents per square mile, Grand Forks is fairly dense, and 0 larger Census places sit within 50 miles. Whether Grand Forks has a local branch or not, a North Dakota-licensed lender can serve its 58,921 people online on the same terms. The nearest bigger place is Fargo, ND about 74 miles away.

Grand Forks: area, density and distance

The Census Gazetteer records 29.1 square miles of land and 0.20 square miles of water within Grand Forks. That land carries about 2,023 people per square mile. The largest place in North Dakota, Fargo, lies about 74 miles away. Within 50 miles of Grand Forks there are 0 larger Census places. By land area it ranks 4th of 355 North Dakota places.

Inside a Grand Forks personal loan

Most loans made to Grand Forks's 58,921 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Grand Forks's rank of 3rd in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Grand Forks loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How North Dakota law applies in Grand Forks

Read the table as a lender's compliance picture for Grand Forks: the rule, the sourced figure, the publisher and the date.

Where Grand Forks sits in North Dakota

Set beside North Dakota's 355 places, Grand Forks ranks 3rd by population and holds about 9.6% of the state total. On the 2020-to-2023 trend, Grand Forks stands 98th among North Dakota's 355 places — roughly the 72th percentile. Its roughly 2,023 residents per square mile place it 8th among North Dakota's places. In land area, Grand Forks ranks 4th among North Dakota's 355 places.