Personal loans in Kief, ND

By population, Kief sits at 350th in North Dakota, with an estimated 8 residents. For a borrower among the roughly 8 residents of Kief, a personal loan is a tool whose cost turns on the terms, not the address.

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.

Price two or three terms so you can see which payment is truly affordable in Kief. State law, not city hall, decides what a lender may do to Kief's roughly 8 residents, and a state regulator supervises it. Census figures show Kief holding steady across 2020 to 2023. The closest larger city is Balfour, ND about 6 miles away.

What the Census records for Kief

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

What to do before borrowing in Kief

Complete these steps first when you borrow in Kief (8 residents):

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a North Dakota licence by checking the regulator named above.
  5. Be clear on what the loan is for and how it gets repaid.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Kief-specific: the same North Dakota licensing and disclosure rules reach all 8 residents.

Inside a Kief personal loan

Most loans made to Kief's 8 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Kief's rank of 350th 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 Kief loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Kief: area, density and distance

Kief's land area is about 1.2 square miles; a further 0.02 square miles is water. The resulting density is about 7 people per square mile. Fargo, the largest place in North Dakota, is about 186 miles from Kief. Counting outward 50 miles, 38 larger communities surround Kief. The 100-mile radius contains 138 larger places.

Kief in state context

Kief is the 350th-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Kief stands 84th among North Dakota's 355 places — roughly the 76th percentile. Its roughly 7 residents per square mile place it 352nd among North Dakota's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

The North Dakota lending rules that reach Kief

This table holds the North Dakota rate and licensing rules for consumer loans made to Kief's 8 residents.

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
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
Payday lending statusLegal 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
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 Kief 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 Kief is the same as anywhere in North Dakota.
What loan size can I expect in Kief?
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 Kief?
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 Kief 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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