Personal loans in Oxbow, ND

The nearest larger metro is Horace, ND about 8 miles away. The 2020 count to the 2023 estimate shows about 1.6% decline in Oxbow. Rate ceilings, licensing requirements and product limits for Oxbow are all set at the North Dakota level. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Oxbow loan.

Oxbow by the numbers

Oxbow is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: the Census counts 371 residents in Oxbow (Vintage 2023 subcounty estimate), the 108th-largest figure among North Dakota's 355 places.
• Population trend: A loss of roughly 1.6% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 6 residents.
• Size percentile: roughly 70% of North Dakota's places have fewer residents than Oxbow's 371.
• Density: the Census land area of 1.5 sq mi holds about 242 people per square mile.
• Land area: Oxbow covers 1.5 square miles, the 56th-largest area among North Dakota's 355 places.
• Share of state population: Oxbow's 371 residents are about 0.1% of North Dakota.
• National standing: Oxbow ranks 14,397th of 19,457 US places.
• Growth rank: Oxbow ranks 155th among North Dakota's 355 places for the 2020-to-2023 change.
• Versus North Dakota: the state average change is -1.2%, while Oxbow moved 1.6%.
• Density rank: Oxbow places 221st among North Dakota's places by people per square mile.
• Against the state median: Oxbow runs about 242 residents per square mile, where the North Dakota median is 352.
• Location: 46.6647 / -96.8208, per the US Census Bureau Gazetteer.
• Nearest larger cities: Horace (8 mi); Kindred (9 mi); Sabin (11 mi); Fargo (14 mi); West Fargo (14 mi). Living near a larger metro rarely changes what is available in Oxbow.
• Smaller communities close by: Comstock (4 mi); Christine (6 mi); Wolverton (8 mi), each with its own Census population profile.
• Within a 50-mile radius: 48 smaller Census places.
• Larger places within 100 miles: 110.

Land, water and location for Oxbow

The Census Gazetteer records about 1.5 square miles of land within Oxbow, with no significant water area listed. That land carries about 242 people per square mile. Fargo, the largest place in North Dakota, is about 14 miles from Oxbow. Counting outward 50 miles, 34 larger communities surround Oxbow. The 100-mile radius contains 110 larger places.

Oxbow's place among North Dakota's 355 places

Against North Dakota's other places, Oxbow accounts for about 0.1% of the state's population and ranks 108th of 355 by size. On the 2020-to-2023 trend, Oxbow stands 155th among North Dakota's 355 places — roughly the 56th percentile. Its roughly 242 residents per square mile place it 221st among North Dakota's places. By land area, its 1.5 square miles rank 56th of 355 places in North Dakota.

Inside a Oxbow personal loan

Most loans made to Oxbow's 371 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Oxbow can be quoted different APRs on the same amount and term. Shortening the term on a Oxbow loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Oxbow

With about 242 residents per square mile, Oxbow is lightly settled, and 34 larger Census places sit within 50 miles. What is available to Oxbow's 371 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Horace, ND about 8 miles away.

The North Dakota lending rules that reach Oxbow

When North Dakota does not publish a figure, the row links to the source instead of inventing a number; Oxbow is bound by the same rules.