Personal loans in Karlsruhe, ND
A personal loan in Karlsruhe is priced from your credit file and income, not from the fact that the city holds 85 people. With 85 residents, Karlsruhe outranks about 33% of the communities in North Dakota.
The next larger city is Velva, ND about 15 miles away. The 2020 count to the 2023 estimate shows about 4.5% decline in Karlsruhe. State law, not city hall, decides what a lender may do to Karlsruhe's roughly 85 residents, and a state regulator supervises it. Price two or three terms so you can see which payment is truly affordable in Karlsruhe.
What the Census records for Karlsruhe
Karlsruhe is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 85 residents, 238th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 4.5% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
- Size percentile: roughly 33% of North Dakota places rank below Karlsruhe.
- Density: the Census land area of 0.8 sq mi holds about 113 people per square mile.
- Land area: Karlsruhe covers 0.8 square miles, the 147th-largest area among North Dakota's 355 places.
- Share of North Dakota: Karlsruhe holds about 0.0% of the state's population, some 85 people.
- National rank: Karlsruhe sits 18,398th by population among the 19,457 places in this dataset.
- Growth rank: Karlsruhe's 2020-to-2023 change ranks 319th of 355 places in North Dakota.
- Against the state trend: Karlsruhe's 4.5% change compares with a North Dakota average of -1.2% across its 355 places.
- Density rank: Karlsruhe places 285th among North Dakota's places by people per square mile.
- Against the state median: Karlsruhe runs about 113 residents per square mile, where the North Dakota median is 352.
- Location: latitude 48.0910, longitude -100.6162 (Census Gazetteer).
- Nearest larger cities: Velva (15 mi); Granville (16 mi); Drake (16 mi); Towner (20 mi); Sawyer (20 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Bergen (8 mi); Balfour (10 mi); Voltaire (12 mi).
- Smaller neighbours: 14 places smaller than Karlsruhe sit within 50 miles.
- At 100 miles: 85 larger Census places fall inside that radius.
Karlsruhe's place among North Dakota's 355 places
Karlsruhe is the 238th-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 319th of 355 North Dakota places, putting it near the 10th percentile for growth. At about 113 people per square mile, Karlsruhe is the 285th most densely settled place in North Dakota. By land area, its 0.8 square miles rank 147th of 355 places in North Dakota.
What is available to Karlsruhe borrowers
Karlsruhe is a lightly settled community of about 85 people, with 26 larger places inside a 50-mile radius. Lenders licensed in North Dakota reach Karlsruhe's 85 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Velva, ND about 15 miles away.
Karlsruhe on the map
The Census Gazetteer records about 0.8 square miles of land within Karlsruhe, with no significant water area listed. The resulting density is about 113 people per square mile. The largest place in North Dakota, Fargo, lies about 196 miles away. Within 50 miles of Karlsruhe there are 26 larger Census places. Within the same 50 miles lie 14 smaller Census places.
How personal loans work in Karlsruhe
With roughly 85 residents, Karlsruhe is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Karlsruhe loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Karlsruhe loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
North Dakota rules behind a Karlsruhe personal loan
These are North Dakota's sourced lending facts as they reach Karlsruhe's 85 residents; the state has no city-level rate rule.
| 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 |
| 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 |
| 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 |
Common questions
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What loan size can I expect in Karlsruhe?
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Does comparing loans in Karlsruhe cost me credit score points?
Nearby places
- Bergen, ND — population 11
- Balfour, ND — population 15
- Voltaire, ND — population 43
- Kief, ND — population 8
- Butte, ND — population 68
- Granville, ND — population 225
- Drake, ND — population 277
- Velva, ND — population 1,046