Personal loans in Hamilton, ND

With roughly 42 residents, Hamilton is a small community, and the lending rules its borrowers live under are written in North Dakota, not by the city. Roughly 42 residents live in Hamilton, the 288th-largest community in North Dakota.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

A larger market lies at Bathgate, ND about 5 miles away. Hamilton lost roughly 2.3% of its population across the 2020-to-2023 comparison. Which products a lender may offer to Hamilton's 42 residents follows from the North Dakota consumer-lending framework. Work out your debt-to-income ratio first; lenders weigh it heavily, and Hamilton's 42 residents are no exception.

Hamilton by the numbers

Set out below is Hamilton's local context next to the state-level rules that reach every lender here.

Inside a Hamilton personal loan

Most loans made to Hamilton's 42 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Hamilton loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Hamilton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The North Dakota lending rules that reach Hamilton

For the roughly 42 residents of Hamilton, 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

Hamilton's place among North Dakota's 355 places

Among North Dakota's 355 places, Hamilton sits at 288th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 207th of 355 North Dakota places, putting it near the 42th percentile for growth. Its roughly 147 residents per square mile place it 272nd among North Dakota's places. The population moved by about 1 people between 2020 and 2023, a 2.3% shift.

Hamilton: area, density and distance

Hamilton's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 42 residents, the land area yields roughly 147 people per square mile. For the state's biggest city, Fargo, the distance is roughly 137 miles. A 50-mile radius around Hamilton takes in 32 places that are larger. The 100-mile radius contains 95 larger places.

Getting a loan in Hamilton

Hamilton is lightly settled, with about 147 people per square mile and 32 larger places within 50 miles. Distance to a branch rarely matters for Hamilton's 42 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Bathgate, ND about 5 miles away.

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

Nearby places

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