Personal loans in Kramer, ND

Which products a lender may offer to Kramer's 24 residents follows from the North Dakota consumer-lending framework. The Census estimates 24 residents in Kramer, which ranks it 318th of 355 places in North Dakota. Pull your credit reports and line up at least three offers before you apply from Kramer. Over 2020 to 2023, Kramer recorded almost no population movement. The nearest larger metro is Upham, ND about 8 miles away.

Borrowing in Kramer: the local picture

Only a few things actually differ by place — population, area, location, and the North Dakota rules a lender must follow — and they are below.

• Population: 24 — Kramer ranks 318th of 355 communities in North Dakota (US Census Bureau, Vintage 2023).
• Population trend: About level with the 2020 Census.
• Size percentile: bigger than about 10% of the places in North Dakota, with 24 residents in Kramer.
• Population density: about 157 people per square mile (Census land area 0.2 sq mi).
• By land area: Kramer ranks 329th among North Dakota's 355 places, at 0.2 sq mi.
• State share: roughly 0.0% of North Dakota's residents live in Kramer (24 people).
• National rank: Kramer is the 19,299th most populous of the 19,457 Census places covered here.
• Growth rank: Kramer ranks 65th among North Dakota's 355 places for the 2020-to-2023 change.
• State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Kramer's 0.0%.
• Density in North Dakota: Kramer ranks 269th by people per square mile.
• Density in context: Kramer's 157 people per square mile sit against a North Dakota median of 352.
• Location: 48.6910, -100.7077 (Census Gazetteer coordinates).
• Nearest larger cities: Upham (8 mi); Newburg (9 mi); Souris (15 mi); Bottineau (15 mi); Landa (17 mi). Online lenders reach Kramer no matter how far the nearest branch is.
• Smaller communities close by: Gardena (10 mi); Overly (25 mi); Antler (33 mi), each with its own Census population profile.
• Within a 50-mile radius: 7 smaller Census places.
• Larger places within 100 miles: 88.

Where Kramer sits

Kramer covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 24 residents, the land area yields roughly 157 people per square mile. For the state's biggest city, Fargo, the distance is roughly 220 miles. A 50-mile radius around Kramer takes in 30 places that are larger. Within the same 50 miles lie 7 smaller Census places.

What is available to Kramer borrowers

With about 157 residents per square mile, Kramer is lightly settled, and 30 larger Census places sit within 50 miles. What is available to Kramer's 24 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Upham, ND about 8 miles away.

How personal loans work in Kramer

With roughly 24 residents, Kramer is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Kramer's 24 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Kramer loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

North Dakota rules behind a Kramer personal loan

When North Dakota does not publish a figure, the row links to the source instead of inventing a number; Kramer is bound by the same rules.

Kramer against the rest of North Dakota

Against North Dakota's other places, Kramer accounts for about 0.0% of the state's population and ranks 318th of 355 by size. On the 2020-to-2023 trend, Kramer stands 65th among North Dakota's 355 places — roughly the 82th percentile. Its roughly 157 residents per square mile place it 269th among North Dakota's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.