Personal loans in Hannaford, ND
Rate ceilings, licensing requirements and product limits for Hannaford are all set at the North Dakota level. Personal loans in Hannaford are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 123 population. With an estimated 123 residents, Hannaford is the 200th-largest of 355 places in North Dakota. The trend for Hannaford between 2020 and 2023 is downward by roughly 3.1%. If debt is already a strain, a nonprofit credit counsellor can help Hannaford residents before they take on more. Borrowers who want a bigger city can look to Cooperstown, ND about 10 miles away.
Hannaford: population, trend and location
Most of what governs a Hannaford loan is written in North Dakota law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 123 residents, 200th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: About 3.1% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
- Size percentile: roughly 44% of North Dakota's places have fewer residents than Hannaford's 123.
- Population density: about 562 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Hannaford ranks 300th among North Dakota's 355 places, at 0.2 sq mi.
- State share: roughly 0.0% of North Dakota's residents live in Hannaford (123 people).
- National standing: Hannaford ranks 17,724th of 19,457 US places.
- Growth rank: Hannaford's 2020-to-2023 change ranks 263rd of 355 places in North Dakota.
- State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Hannaford's 3.1%.
- Density in North Dakota: Hannaford ranks 124th by people per square mile.
- Density in context: Hannaford's 562 people per square mile sit against a North Dakota median of 352.
- Location: mapped by the US Census Bureau at 47.3142, -98.1889.
- Nearest larger cities: Cooperstown (10 mi); Wimbledon (16 mi); Binford (19 mi); Finley (21 mi); Hope (22 mi). Online lenders reach Hannaford no matter how far the nearest branch is.
- Smaller places close by: Dazey (9 mi); Sibley (12 mi); Luverne (13 mi).
- Smaller neighbours: 26 places smaller than Hannaford sit within 50 miles.
- Larger places within 100 miles: 124.
A pre-application checklist for Hannaford
These steps shape the offer you get in Hannaford, a place of about 123 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Test your amount and term in the personal loan calculator first.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the North Dakota licence with the regulator named above before committing.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
What differs between Hannaford and the rest of North Dakota is not the process but the borrower's own file, among the 123 people here.
What shapes a Hannaford personal loan
A Hannaford personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 123 residents. Because pricing is borrower-level, two people in Hannaford can be quoted different APRs on the same amount and term. Shortening the term on a Hannaford loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Which North Dakota laws govern a loan in Hannaford
For the roughly 123 residents of Hannaford, the rules below are North Dakota's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | North 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 |
| Payday lending status | Legal 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 |
| Small-loan / installment lender licensing | Money broker license required to engage in money brokering (arranging/providing loans); issued by the commissioner of financial institutions. Source says: "may not engage in money brokering in the state of North Dakota without a money broker license issued by the commissioner" (N.D.C.C. 13-04.1-02). | North Dakota Legislative Branch as of 2026-09-16 |
Hannaford in state context
Against North Dakota's other places, Hannaford accounts for about 0.0% of the state's population and ranks 200th of 355 by size. On the 2020-to-2023 trend, Hannaford stands 263rd among North Dakota's 355 places — roughly the 26th percentile. At about 562 people per square mile, Hannaford is the 124th most densely settled place in North Dakota. Within 50 miles sit 26 smaller Census places, alongside the 27 that are larger.
Land, water and location for Hannaford
The Census Gazetteer records about 0.2 square miles of land within Hannaford, with no significant water area listed. With 123 residents, the land area yields roughly 562 people per square mile. For the state's biggest city, Fargo, the distance is roughly 71 miles. Within 50 miles of Hannaford there are 27 larger Census places. The 100-mile radius contains 124 larger places.
Common questions
What are my options in Hannaford if my credit is poor?
What loan size can I expect in Hannaford?
Do I have to pledge anything to borrow in Hannaford?
Does comparing loans in Hannaford cost me credit score points?
Nearby places
- Dazey, ND — population 75
- Cooperstown, ND — population 961
- Rogers, ND — population 48
- Sibley, ND — population 19
- Leal, ND — population 24
- Luverne, ND — population 26
- Binford, ND — population 163
- Wimbledon, ND — population 176