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Personal loans in Marion, ND

Marion counts about 124 people, and what is genuinely local about borrowing here is limited — North Dakota law does the governing. The Census counts 124 people in Marion, the 198th-largest figure among North Dakota's 355 places. The nearest larger metro is Litchville, ND about 8 miles away. The 2020 count to the 2023 estimate shows about 0.8% growth in Marion. A single loan can carry different costs on either side of a state line, and Marion sits on the North Dakota side of that line. Verify the lender's North Dakota licence against the regulator named below before borrowing in Marion.

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.

Local context for Marion

Set out below is Marion's local context next to the state-level rules that reach every lender here.

Marion in state context

Marion is the 198th-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 40th of 355 North Dakota places, putting it near the 89th percentile for growth. At about 148 people per square mile, Marion is the 271st most densely settled place in North Dakota. Within 50 miles sit 31 smaller Census places, alongside the 20 that are larger.

Land, water and location for Marion

The Census Gazetteer records 0.8 square miles of land and 0.17 square miles of water within Marion. That land carries about 148 people per square mile. The largest place in North Dakota, Fargo, lies about 74 miles away. A 50-mile radius around Marion takes in 20 places that are larger. Within the same 50 miles lie 31 smaller Census places.

What a Marion borrower is actually offered

With roughly 124 residents, Marion is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Marion's rank of 198th in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Marion decides the split between a comfortable payment and the total interest you pay.

Which North Dakota laws govern a loan in Marion

North Dakota has no separate rate rule for Marion; the sourced rows below are what reach every lender that serves its 124 people.

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
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
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

Lender access in Marion

Marion is lightly settled, with about 148 people per square mile and 20 larger places within 50 miles. What is available to Marion's 124 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 Litchville, ND about 8 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 Marion 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 Marion is the same as anywhere in North Dakota.
What loan size can I expect in Marion?
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 Marion?
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 Marion 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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