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Personal loans in Lansford, ND

State law, not city hall, decides what a lender may do to Lansford's roughly 235 residents, and a state regulator supervises it. Personal loans in Lansford are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 235 population. The Census estimates 235 residents in Lansford, which ranks it 143rd of 355 places in North Dakota. The trend for Lansford between 2020 and 2023 is downward by roughly 0.8%. If debt is already a strain, a nonprofit credit counsellor can help Lansford residents before they take on more. For a bigger market, look to Glenburn, ND about 11 miles away.

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.

What the Census records for Lansford

Two layers matter for a Lansford borrower: the local population picture and North Dakota's consumer-lending statutes.

How North Dakota law applies in Lansford

These are North Dakota's sourced lending facts as they reach Lansford's 235 residents; the state has no city-level rate rule.

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

Where Lansford sits

The Census Gazetteer records about 0.4 square miles of land within Lansford, with no significant water area listed. With 235 residents, the land area yields roughly 670 people per square mile. The state's population centre of gravity, Fargo, is roughly 244 miles away. A 50-mile radius around Lansford takes in 13 places that are larger. The 100-mile radius contains 39 larger places.

Lender access in Lansford

With about 670 residents per square mile, Lansford is moderately settled, and 13 larger Census places sit within 50 miles. What is available to Lansford's 235 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Glenburn, ND about 11 miles away.

Lansford against the rest of North Dakota

Among North Dakota's 355 places, Lansford sits at 143rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Lansford stands 110th among North Dakota's 355 places — roughly the 69th percentile. By density, at about 670 people per square mile, it ranks 103rd in North Dakota. Between 2020 and 2023 the count changed by roughly 2 residents.

The anatomy of a Lansford personal loan

In Lansford, a small community of about 235, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Lansford's rank of 143rd in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Lansford loan is knowable in advance — unlike a revolving card balance.

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