Personal loans in Landa, ND

The 2020-to-2023 change in Landa is negligible, under a tenth of a percent. With roughly 38 residents, Landa is a small community, and the lending rules its borrowers live under are written in North Dakota, not by the city.

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.

Landa ranks 297th of 355 places in North Dakota, with a population near 38. Borrowers who want a bigger city can look to Westhope, ND about 5 miles away. A lender that serves Landa operates under North Dakota lending statutes and a North Dakota supervisor. Verify the lender's North Dakota licence against the regulator named below before borrowing in Landa.

The Landa data picture

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

How personal loans work in Landa

Landa is a small community of about 38 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Landa can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Landa loan is knowable in advance — unlike a revolving card balance.

North Dakota consumer-lending rules applied in Landa

Read the table as a lender's compliance picture for Landa: the rule, the sourced figure, the publisher and the date.

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
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
Small-loan / installment lender licensingMoney 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

Land, water and location for Landa

Landa's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 500 people per square mile. The largest place in North Dakota, Fargo, lies about 236 miles away. Counting outward 50 miles, 20 larger communities surround Landa. Within the same 50 miles lie 6 smaller Census places.

A practical checklist for Landa borrowers

Complete these steps first when you borrow in Landa (38 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Make sure the lender appears in the North Dakota regulator's licence list.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Be clear on what the loan is for and how it gets repaid.

The process is identical across North Dakota; what changes is your credit file, not the fact that Landa holds 38 people.

Borrowing reach in Landa

Landa is a moderately settled community of about 38 people, with 20 larger places inside a 50-mile radius. Distance to a branch rarely matters for Landa's 38 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Westhope, ND about 5 miles away.

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 Landa 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 Landa is the same as anywhere in North Dakota.
What loan size can I expect in Landa?
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 Landa?
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 Landa 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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