Personal loans in Leith, ND
A lender that serves Leith operates under North Dakota lending statutes and a North Dakota supervisor. Personal loans in Leith are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 26 population.
By population, Leith sits at 316th in North Dakota, with an estimated 26 residents. From the 2020 Census base to the 2023 estimate, the population declined by about 3.7%. Price two or three terms so you can see which payment is truly affordable in Leith. The nearest larger metro is Carson, ND about 5 miles away.
What the Census records for Leith
Here is the sourced Census picture for Leith, plus the North Dakota lending rules that apply to a loan taken out here.
- Population: an estimated 26 residents, 316th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 3.7% across the 2020-to-2023 comparison.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: roughly 11% of North Dakota's places have fewer residents than Leith's 26.
- Population density: about 21 people per square mile across 1.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Leith's 1.2 square miles rank 85th of 355 places in North Dakota.
- Water area: Leith has 0.02 square miles of water, ranking 50th of 355 places in North Dakota.
- State share: roughly 0.0% of North Dakota's residents live in Leith (26 people).
- National rank: Leith sits 19,274th by population among the 19,457 places in this dataset.
- Growth rank: Leith ranks 290th 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 Leith's 3.7%.
- Density in North Dakota: Leith ranks 345th by people per square mile.
- Against the state median: Leith runs about 21 residents per square mile, where the North Dakota median is 352.
- Location: latitude 46.3649, longitude -101.6414 (Census Gazetteer).
- Nearest larger cities: Carson (5 mi); Elgin (10 mi); New Leipzig (15 mi); Flasher (20 mi); Almont (26 mi). Larger metros often have more branches, but online lenders reach Leith on the same terms.
- Smaller places close by: Haynes (48 mi); Bucyrus (59 mi); Gascoyne (71 mi).
- Smaller places within 50 miles: 1 of them.
- Within 100 miles: 77 places are larger than Leith.
Which North Dakota laws govern a loan in Leith
These are North Dakota's sourced lending facts as they reach Leith's 26 residents; the state has no city-level rate rule.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | North 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 |
| Usury penalties (state-specific rule) | Usury forfeits all interest plus 25% of principal; charging usurious interest is a class B misdemeanor. Source says: "shall be deemed a forfeiture of the entire interest" and "a forfeiture of twenty-five percent of the principal" (N.D.C.C. 47-14-10); usury is a class B misdemeanor (47-14-11). | North Dakota Legislative Branch 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 |
What to do before borrowing in Leith
For Leith's roughly 26 residents, these are the steps that most influence the offer:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the lender holds a North Dakota licence by checking the regulator named above.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Make sure the new payment leaves room in a budget you already keep.
None of these steps is Leith-specific: the same North Dakota licensing and disclosure rules reach all 26 residents.
Where Leith sits in North Dakota
Set beside North Dakota's 355 places, Leith ranks 316th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Leith ranks 290th of 355 in North Dakota (about the 18th percentile). Its roughly 21 residents per square mile place it 345th among North Dakota's places. Between 2020 and 2023 the count changed by roughly 1 residents.
What a Leith borrower is actually offered
In Leith, a small community of about 26, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Leith lender to disclose the APR and finance charge before you sign. Shortening the term on a Leith loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Borrowing reach in Leith
At roughly 21 people per square mile, Leith is sparsely settled; 17 larger places lie within 50 miles. Lenders licensed in North Dakota reach Leith's 26 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Carson, ND about 5 miles away.
Common questions
What are my options in Leith if my credit is poor?
What loan size can I expect in Leith?
Do I have to pledge anything to borrow in Leith?
Does comparing loans in Leith cost me credit score points?
Nearby places
- Carson, ND — population 240
- Elgin, ND — population 519
- New Leipzig, ND — population 207
- Almont, ND — population 98
- Flasher, ND — population 215
- Morristown, SD — population 45
- Glen Ullin, ND — population 725
- New Salem, ND — population 1,027