Personal loans in Maxbass, ND
Maxbass counts about 86 people, and what is genuinely local about borrowing here is limited — North Dakota law does the governing.
Begin with the payment, then weigh APR and total interest across the lenders that reach Maxbass's 86 residents. Roughly 86 residents live in Maxbass, the 235th-largest community in North Dakota. Every figure below is North Dakota's own, applied to Maxbass's 86 residents, with the publisher and retrieval date attached. Census figures put the 2020-to-2023 decrease in Maxbass at about 1.1%. A larger market lies at Newburg, ND about 10 miles away.
Where Maxbass stands
Only a few things actually differ by place — population, area, location, and the North Dakota rules a lender must follow — and they are below.
- Population: 86 — Maxbass ranks 235th of 355 communities in North Dakota (US Census Bureau, Vintage 2023).
- Population trend: About 1.1% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
- Size percentile: Maxbass sits ahead of around 34% of North Dakota places, at 86 people.
- Density: the Census land area of 0.2 sq mi holds about 528 people per square mile.
- Land area rank: Maxbass's 0.2 square miles rank 326th of 355 places in North Dakota.
- Within North Dakota: about 0.0% of the state's population lives in Maxbass.
- National rank: Maxbass sits 18,372nd by population among the 19,457 places in this dataset.
- Growth rank: Maxbass ranks 125th among North Dakota's 355 places for the 2020-to-2023 change.
- Against the state trend: Maxbass's 1.1% change compares with a North Dakota average of -1.2% across its 355 places.
- Density rank: Maxbass is the 131st most densely settled place in North Dakota.
- Density vs North Dakota: Maxbass's 528 people per square mile compare with a state median of 352.
- Location: latitude 48.7224, longitude -101.1424 (Census Gazetteer).
- Nearest larger cities: Newburg (10 mi); Lansford (13 mi); Westhope (14 mi); Glenburn (15 mi); Mohall (17 mi). Online lenders reach Maxbass no matter how far the nearest branch is.
- Nearest smaller towns: Landa (16 mi); Antler (18 mi); Kramer (20 mi).
- Within a 50-mile radius: 11 smaller Census places.
- At 100 miles: 67 larger Census places fall inside that radius.
Maxbass: area, density and distance
Maxbass's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. With 86 residents, the land area yields roughly 528 people per square mile. Fargo, the largest place in North Dakota, is about 238 miles from Maxbass. Within 50 miles of Maxbass there are 22 larger Census places. Within the same 50 miles lie 11 smaller Census places.
Before you apply in Maxbass
A sensible order of operations for a loan in Maxbass, home to about 86 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the North Dakota regulator's licence records before you sign.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
The process is identical across North Dakota; what changes is your credit file, not the fact that Maxbass holds 86 people.
How personal loans work in Maxbass
In Maxbass, a small community of about 86, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Maxbass. Shortening the term on a Maxbass loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Maxbass's place among North Dakota's 355 places
Maxbass is the 235th-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. For population change between 2020 and 2023, Maxbass ranks 125th of 355 in North Dakota (about the 65th percentile). Its roughly 528 residents per square mile place it 131st among North Dakota's places. Between 2020 and 2023 the count changed by roughly 1 residents.
The state rulebook for Maxbass
The rows below set out what a licensed lender must follow in North Dakota, and so for Maxbass's roughly 86 residents.
| 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 |
| 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 |
| Payday lending status | Legal 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 |
Common questions
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Does comparing loans in Maxbass cost me credit score points?
Nearby places
- Glenburn, ND — population 403
- Westhope, ND — population 374
- Newburg, ND — population 94
- Lansford, ND — population 235
- Antler, ND — population 21
- Landa, ND — population 38
- Deering, ND — population 90
- Mohall, ND — population 689