Personal loans in Osnabrock, ND

The roughly 103 people who live in Osnabrock borrow under North Dakota rules; city hall sets no personal-loan rate. Rate-shopping from Osnabrock costs nothing at pre-qualification, where a soft pull leaves your credit file alone. About 103 people live in Osnabrock, placing it 213th of 355 Census places in North Dakota. Every figure below is North Dakota's own, applied to Osnabrock's 103 residents, with the publisher and retrieval date attached. Osnabrock shed about 2.8% of its population between the 2020 base and the 2023 estimate. Borrowers who want a bigger city can look to Langdon, ND about 12 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

Osnabrock by the numbers

The figures below are Osnabrock's own — Census population, land area and coordinates — followed by the North Dakota rules.

Osnabrock in state context

Among North Dakota's 355 places, Osnabrock sits at 213th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 242nd of 355 North Dakota places, putting it near the 32th percentile for growth. At about 343 people per square mile, Osnabrock is the 181st most densely settled place in North Dakota. Between 2020 and 2023 the count changed by roughly 3 residents.

Osnabrock on the map

The Census Gazetteer records about 0.3 square miles of land within Osnabrock, with no significant water area listed. Spread across it are roughly 343 residents per square mile. The state's population centre of gravity, Fargo, is roughly 139 miles away. A 50-mile radius around Osnabrock takes in 23 places that are larger. By land area it ranks 256th of 355 North Dakota places.

The North Dakota lending rules that reach Osnabrock

Below are the North Dakota rules that apply to a loan made in Osnabrock, each with the regulator that issued it.

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
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

Getting a loan in Osnabrock

With about 343 residents per square mile, Osnabrock is lightly settled, and 23 larger Census places sit within 50 miles. A North Dakota licence lets a lender serve Osnabrock without a local office, so branch density does not change what its 103 residents are offered. The nearest bigger place is Langdon, ND about 12 miles away.

Inside a Osnabrock personal loan

Osnabrock is a small community of about 103 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Osnabrock. A longer term lowers the monthly payment on a Osnabrock loan but raises total interest, so the smallest payment is not the cheapest loan.

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