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.

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.

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.

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.

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
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

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