Personal loans in Kulm, ND

Where Kulm stands

What follows is Kulm's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.

• Population: 366 — Kulm ranks 110th of 355 communities in North Dakota (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 0.5% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
• Size percentile: roughly 69% of North Dakota's places have fewer residents than Kulm's 366.
• Population density: about 958 people per square mile (Census land area 0.4 sq mi).
• Land area: Kulm covers 0.4 square miles, the 218th-largest area among North Dakota's 355 places.
• State population share: Kulm accounts for about 0.1% of everyone in North Dakota.
• National rank: Kulm is 14,452nd of 19,457 places nationwide.
• Growth rank: Kulm ranks 102nd among North Dakota's 355 places for the 2020-to-2023 change.
• Against the state trend: Kulm's 0.5% change compares with a North Dakota average of -1.2% across its 355 places.
• Density rank: Kulm places 56th among North Dakota's places by people per square mile.
• Against the state median: Kulm runs about 958 residents per square mile, where the North Dakota median is 352.
• Location: 46.3019 / -98.9466, per the US Census Bureau Gazetteer.
• Nearest larger cities: Edgeley (12 mi); Ashley (28 mi); Ellendale (29 mi); Wishek (29 mi); LaMoure (31 mi). A branch is convenient; it is not what sets your APR.
• Smaller places close by: Fredonia (7 mi); Jud (16 mi); Monango (19 mi).
• Smaller places within 50 miles: 23 of them.
• At 100 miles: 44 larger Census places fall inside that radius.

Where Kulm sits

Inside Kulm's boundaries lie about 0.4 square miles of land, with no significant water area recorded. The resulting density is about 958 people per square mile. The state's population centre of gravity, Fargo, is roughly 108 miles away. Within 50 miles of Kulm there are 10 larger Census places. By land area it ranks 218th of 355 North Dakota places.

How personal loans work in Kulm

Kulm is a small community of about 366 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Kulm. Because the payment is fixed, the total cost of a Kulm loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Kulm

North Dakota has no separate rate rule for Kulm; the sourced rows below are what reach every lender that serves its 366 people.

Kulm against the rest of North Dakota

Set beside North Dakota's 355 places, Kulm ranks 110th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 102nd of 355 North Dakota places, putting it near the 71th percentile for growth. Its roughly 958 residents per square mile place it 56th among North Dakota's places. The population moved by about 2 people between 2020 and 2023, a 0.5% shift.

A pre-application checklist for Kulm

A sensible order of operations for a loan in Kulm, home to about 366 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the North Dakota regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Look for an origination fee or prepayment penalty in the written disclosure.

In Kulm as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 366 residents.