Personal loans in Harwood, ND

What the Census records for Harwood

Harwood is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: an estimated 827 residents, 65th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
• Population trend: Higher by roughly 4.0% since the 2020 count.
• People gained or lost: about 32 more since the 2020 base.
• Size percentile: roughly 82% of North Dakota places rank below Harwood.
• Population density: 634 people per square mile on 1.3 square miles of land.
• Land area rank: Harwood's 1.3 square miles rank 83rd of 355 places in North Dakota.
• Water area: Harwood has 0.01 square miles of water, ranking 58th of 355 places in North Dakota.
• State share: roughly 0.1% of North Dakota's residents live in Harwood (827 people).
• Nationally: Harwood is the 11,040th-largest of 19,457 Census places in the dataset.
• Growth rank: Harwood ranks 20th among North Dakota's 355 places for the 2020-to-2023 change.
• Against the state trend: Harwood's 4.0% change compares with a North Dakota average of -1.2% across its 355 places.
• Density rank: Harwood is the 106th most densely settled place in North Dakota.
• Against the state median: Harwood runs about 634 residents per square mile, where the North Dakota median is 352.
• Location: 46.9770, -96.8810 (Census Gazetteer coordinates).
• Nearest larger cities: Reile's Acres (3 mi); Fargo (8 mi); West Fargo (8 mi); Mapleton (10 mi); Moorhead (10 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller towns nearby: North River (4 mi); Argusville (6 mi); Georgetown (8 mi).
• Smaller places within 50 miles: 61 of them.
• At 100 miles: 53 larger Census places fall inside that radius.

What a Harwood borrower is actually offered

Most loans made to Harwood's 827 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Harwood's rank of 65th 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 Harwood loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The state rulebook for Harwood

For the roughly 827 residents of Harwood, the rules below are North Dakota's own; each row carries its publisher and retrieval date.

Steps to take before a Harwood loan

A sensible order of operations for a loan in Harwood, home to about 827 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the North Dakota regulator's licence records before you sign.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

In Harwood as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 827 residents.

The geography behind Harwood

Harwood's land area is about 1.3 square miles; a further 0.01 square miles is water. With 827 residents, the land area yields roughly 634 people per square mile. The state's population centre of gravity, Fargo, is roughly 8 miles away. A 50-mile radius around Harwood takes in 18 places that are larger. By land area it ranks 83rd of 355 North Dakota places.

Where Harwood sits in North Dakota

Among North Dakota's 355 places, Harwood sits at 65th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Harwood stands 20th among North Dakota's 355 places — roughly the 94th percentile. By density, at about 634 people per square mile, it ranks 106th in North Dakota. Between 2020 and 2023 the count changed by roughly 32 residents.