Personal loans in Hoople, ND
For a borrower among the roughly 244 residents of Hoople, a personal loan is a tool whose cost turns on the terms, not the address. Roughly 244 residents live in Hoople, the 138th-largest community in North Dakota. A 2020-to-2023 comparison shows Hoople down by about 2.4%. A lender that serves Hoople operates under North Dakota lending statutes and a North Dakota supervisor. If debt is already a strain, a nonprofit credit counsellor can help Hoople residents before they take on more. The next larger city is St. Thomas, ND about 10 miles away.
What the Census records for Hoople
What follows is Hoople's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.
- Population: 244 — Hoople ranks 138th of 355 communities in North Dakota (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 2.4% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 6 residents.
- Size percentile: Hoople sits ahead of around 61% of North Dakota places, at 244 people.
- Density: the Census land area of 0.5 sq mi holds about 451 people per square mile.
- Land area rank: Hoople's 0.5 square miles rank 182nd of 355 places in North Dakota.
- State population share: Hoople accounts for about 0.0% of everyone in North Dakota.
- National rank: Hoople sits 15,847th by population among the 19,457 places in this dataset.
- Growth rank: Hoople ranks 212th among North Dakota's 355 places for the 2020-to-2023 change.
- Against the state trend: Hoople's 2.4% change compares with a North Dakota average of -1.2% across its 355 places.
- Density rank: Hoople places 149th among North Dakota's places by people per square mile.
- Density in context: Hoople's 451 people per square mile sit against a North Dakota median of 352.
- Location: it lies at 48.5358, -97.6389 in the Census Gazetteer.
- Nearest larger cities: St. Thomas (10 mi); Park River (11 mi); Grafton (14 mi); Cavalier (18 mi); Minto (21 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: Crystal (5 mi); Canton City (Hensel) (11 mi); Edinburg (11 mi).
- Smaller neighbours: 34 places smaller than Hoople sit within 50 miles.
- Larger places within 100 miles: 60.
Hoople: area, density and distance
The Census Gazetteer records about 0.5 square miles of land within Hoople, with no significant water area listed. With 244 residents, the land area yields roughly 451 people per square mile. Fargo, the largest place in North Dakota, is about 121 miles from Hoople. Within 50 miles of Hoople there are 22 larger Census places. The 100-mile radius contains 60 larger places.
How a Hoople personal loan is priced
Hoople is a small community of about 244 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Hoople's rank of 138th in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Hoople decides the split between a comfortable payment and the total interest you pay.
Where Hoople sits in North Dakota
Against North Dakota's other places, Hoople accounts for about 0.0% of the state's population and ranks 138th of 355 by size. Its 2020-to-2023 change ranks 212th of 355 North Dakota places, putting it near the 40th percentile for growth. By density, at about 451 people per square mile, it ranks 149th in North Dakota. Between 2020 and 2023 the count changed by roughly 6 residents.
North Dakota consumer-lending rules applied in Hoople
The rows below set out what a licensed lender must follow in North Dakota, and so for Hoople's roughly 244 residents.
| 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 |
Borrowing reach in Hoople
Hoople is a lightly settled community of about 244 people, with 22 larger places inside a 50-mile radius. Distance to a branch rarely matters for Hoople's 244 residents: the application is online and the price follows your credit file. The nearest larger city, St. Thomas, ND about 10 miles away.
Common questions
What are my options in Hoople if my credit is poor?
What loan size can I expect in Hoople?
Do I have to pledge anything to borrow in Hoople?
Does comparing loans in Hoople cost me credit score points?
Nearby places
- Crystal, ND — population 111
- Canton City (Hensel), ND — population 31
- Park River, ND — population 1,385
- St. Thomas, ND — population 312
- Edinburg, ND — population 194
- Pisek, ND — population 87
- Cavalier, ND — population 1,223
- Grafton, ND — population 4,059