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.
Osnabrock by the numbers
The figures below are Osnabrock's own — Census population, land area and coordinates — followed by the North Dakota rules.
- Population: an estimated 103 residents, 213th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 2.8% across the 2020-to-2023 comparison.
- People gained or lost: about 3 fewer since the 2020 base.
- Size percentile: roughly 40% of North Dakota's places have fewer residents than Osnabrock's 103.
- Population density: about 343 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Osnabrock covers 0.3 square miles, the 256th-largest area among North Dakota's 355 places.
- Within North Dakota: about 0.0% of the state's population lives in Osnabrock.
- National rank: Osnabrock is 18,085th of 19,457 places nationwide.
- Growth rank: Osnabrock ranks 242nd 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 Osnabrock's 2.8%.
- Density rank: Osnabrock is the 181st most densely settled place in North Dakota.
- Density in context: Osnabrock's 343 people per square mile sit against a North Dakota median of 352.
- Location: mapped by the US Census Bureau at 48.6702, -98.1494.
- Nearest larger cities: Langdon (12 mi); Adams (18 mi); Edinburg (18 mi); Walhalla (20 mi); Crystal (23 mi). Living near a larger metro rarely changes what is available in Osnabrock.
- Nearest smaller places: Milton (6 mi); Nekoma (12 mi); Fairdale (13 mi).
- Smaller places within 50 miles: 25 of them.
- Larger places within 100 miles: 78.
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.
| 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 |
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.
Common questions
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Nearby places
- Milton, ND — population 40
- Fairdale, ND — population 27
- Langdon, ND — population 1,847
- Nekoma, ND — population 30
- Adams, ND — population 122
- Mountain, ND — population 68
- Edinburg, ND — population 194
- Walhalla, ND — population 880