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Personal loans in Havana, ND

Every figure below is North Dakota's own, applied to Havana's 68 residents, with the publisher and retrieval date attached. Havana is a small community of about 68 residents, and a personal loan taken out here is governed by North Dakota statute. With an estimated 68 residents, Havana is the 252nd-largest of 355 places in North Dakota. Over 2020 to 2023, Havana recorded almost no population movement. Work out your debt-to-income ratio first; lenders weigh it heavily, and Havana's 68 residents are no exception. The closest larger city is Rutland, ND about 9 miles away.

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

Compare loan offers Run the numbers first

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.

Havana: population, trend and location

Read the local figures below as context; read the sourced North Dakota table as the rulebook a lender here must follow.

The state rulebook for Havana

These are North Dakota's sourced lending facts as they reach Havana's 68 residents; the state has no city-level rate rule.

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

Before you apply in Havana

For Havana's roughly 68 residents, these are the steps that most influence the offer:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Check the North Dakota regulator's records to confirm the lender is licensed here.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Be clear on what the loan is for and how it gets repaid.

The process is identical across North Dakota; what changes is your credit file, not the fact that Havana holds 68 people.

How a Havana personal loan is priced

Most loans made to Havana's 68 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Havana lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Havana loan but raises total interest, so the smallest payment is not the cheapest loan.

Lender access in Havana

Havana is lightly settled, with about 180 people per square mile and 39 larger places within 50 miles. Lenders licensed in North Dakota reach Havana's 68 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Rutland, ND about 9 miles away.

Havana: area, density and distance

Havana's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 180 people per square mile. The state's population centre of gravity, Fargo, is roughly 73 miles away. A 50-mile radius around Havana takes in 39 places that are larger. By land area it ranks 220th of 355 North Dakota places.

Compare personal loan offers Run the numbers first

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

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