Personal loans in Pembina, ND

For a borrower among the roughly 497 residents of Pembina, a personal loan is a tool whose cost turns on the terms, not the address. An estimated 497 people make their home in Pembina, a figure that ranks 91st in North Dakota.

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.

Decide the purpose of the loan and your repayment plan before sharing any details with a Pembina lender. A 2020-to-2023 comparison shows Pembina down by about 2.9%. State law, not city hall, decides what a lender may do to Pembina's roughly 497 residents, and a state regulator supervises it. The next larger city is Hallock, MN about 20 miles away.

Pembina: population, trend and location

Read the local figures below as context; read the sourced North Dakota table as the rulebook a lender here must follow.

Inside a Pembina personal loan

With roughly 497 residents, Pembina 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 Pembina's rank of 91st in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Pembina loan is knowable in advance — unlike a revolving card balance.

What North Dakota law requires in Pembina

For the roughly 497 residents of Pembina, the rules below are North Dakota's own; each row carries its publisher and retrieval date.

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
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 statusLegal 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

Pembina's place among North Dakota's 355 places

Pembina is the 91st-largest of 355 Census places in North Dakota and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Pembina stands 248th among North Dakota's 355 places — roughly the 30th percentile. Its roughly 616 residents per square mile place it 112th among North Dakota's places. Within 50 miles sit 19 smaller Census places, alongside the 10 that are larger.

A practical checklist for Pembina borrowers

Complete these steps first when you borrow in Pembina (497 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the North Dakota licence with the regulator named above before committing.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Write down the purpose of the loan and your repayment plan before you apply.

In Pembina as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 497 residents.

Getting a loan in Pembina

Pembina is moderately settled, with about 616 people per square mile and 10 larger places within 50 miles. Distance to a branch rarely matters for Pembina's 497 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Hallock, MN about 20 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 Pembina 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 Pembina is the same as anywhere in North Dakota.
What loan size can I expect in Pembina?
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 Pembina?
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 Pembina 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.

Nearby places

Related