Personal loans in Hansboro, ND
Rate ceilings, licensing requirements and product limits for Hansboro are all set at the North Dakota level. About 15 people live in Hansboro, placing it 338th of 355 Census places in North Dakota. For a borrower among the roughly 15 residents of Hansboro, a personal loan is a tool whose cost turns on the terms, not the address. Hansboro lost roughly 6.2% of its population across the 2020-to-2023 comparison. Read the disclosure for an origination fee and any prepayment penalty before signing in Hansboro. A larger market lies at Rocklake, ND about 13 miles away.
The Hansboro data picture
What follows is Hansboro's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.
- Population: 15 people, a figure that places Hansboro 338th among the 355 Census places in North Dakota (US Census Bureau, Vintage 2023).
- Population trend: Down about 6.2% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 1 fewer since the 2020 base.
- Size percentile: Hansboro sits ahead of around 5% of North Dakota places, at 15 people.
- Density: the Census land area of 0.2 sq mi holds about 79 people per square mile.
- Land area: Hansboro covers 0.2 square miles, the 311th-largest area among North Dakota's 355 places.
- State population share: Hansboro accounts for about 0.0% of everyone in North Dakota.
- Nationally: Hansboro is the 19,390th-largest of 19,457 Census places in the dataset.
- Growth rank: Hansboro ranks 345th among North Dakota's 355 places for the 2020-to-2023 change.
- State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Hansboro's 6.2%.
- Density rank: Hansboro is the 306th most densely settled place in North Dakota.
- Density vs North Dakota: Hansboro's 79 people per square mile compare with a state median of 352.
- Location: mapped by the US Census Bureau at 48.9524, -99.3802.
- Nearest larger cities: Rocklake (13 mi); Rolla (13 mi); St. John (15 mi); Sarles (17 mi); Bisbee (22 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Perth (17 mi); Calvin (21 mi); Calio (30 mi), each with its own Census population profile.
- Smaller neighbours: 8 places smaller than Hansboro sit within 50 miles.
- At 100 miles: 94 larger Census places fall inside that radius.
Borrowing reach in Hansboro
At roughly 79 people per square mile, Hansboro is sparsely settled; 21 larger places lie within 50 miles. Whether Hansboro has a local branch or not, a North Dakota-licensed lender can serve its 15 people online on the same terms. The nearest bigger place is Rocklake, ND about 13 miles away.
The anatomy of a Hansboro personal loan
A Hansboro personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 15 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Hansboro. Because the payment is fixed, the total cost of a Hansboro loan is knowable in advance — unlike a revolving card balance.
Where Hansboro sits
The Census Gazetteer records about 0.2 square miles of land within Hansboro, with no significant water area listed. That land carries about 79 people per square mile. Fargo, the largest place in North Dakota, is about 186 miles from Hansboro. A 50-mile radius around Hansboro takes in 21 places that are larger. By land area it ranks 311th of 355 North Dakota places.
Hansboro in state context
Within North Dakota, Hansboro holds roughly 0.0% of all residents, the 338th-largest share among 355 places. Its 2020-to-2023 change ranks 345th of 355 North Dakota places, putting it near the 3th percentile for growth. Its roughly 79 residents per square mile place it 306th among North Dakota's places. Between 2020 and 2023 the count changed by roughly 1 residents.
How North Dakota law applies in Hansboro
Read the table as a lender's compliance picture for Hansboro: the rule, the sourced figure, the publisher and the 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 |
| 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 |
Common questions
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Nearby places
- Rocklake, ND — population 90
- Perth, ND — population 5
- Rolla, ND — population 1,165
- Bisbee, ND — population 100
- St. John, ND — population 313
- Sarles, ND — population 16
- Mylo, ND — population 18
- Egeland, ND — population 30