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Personal loans in Prairie Rose, ND

With 55 residents, Prairie Rose outranks about 23% of the communities in North Dakota. A 2020-to-2023 comparison shows Prairie Rose down by about 1.8%. A personal loan in Prairie Rose is priced from your credit file and income, not from the fact that the city holds 55 people. Every figure below is North Dakota's own, applied to Prairie Rose's 55 residents, with the publisher and retrieval date attached. Read the disclosure for an origination fee and any prepayment penalty before signing in Prairie Rose. A larger market lies at Frontier, ND about 1 miles away.

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.

Local context for Prairie Rose

Two layers matter for a Prairie Rose borrower: the local population picture and North Dakota's consumer-lending statutes.

Getting a loan in Prairie Rose

Prairie Rose is moderately settled, with about 1,341 people per square mile and 73 larger places within 50 miles. Whether Prairie Rose has a local branch or not, a North Dakota-licensed lender can serve its 55 people online on the same terms. The nearest larger city, Frontier, ND about 1 miles away.

Which North Dakota laws govern a loan in Prairie Rose

These are North Dakota's sourced lending facts as they reach Prairie Rose's 55 residents; the state has no city-level rate rule.

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

What shapes a Prairie Rose personal loan

Prairie Rose is a small community of about 55 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Prairie Rose can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Prairie Rose loan but raises total interest, so the smallest payment is not the cheapest loan.

The geography behind Prairie Rose

Inside Prairie Rose's boundaries lie about 0.0 square miles of land, with no significant water area recorded. That land carries about 1,341 people per square mile. The state's population centre of gravity, Fargo, is roughly 3 miles away. Counting outward 50 miles, 73 larger communities surround Prairie Rose. Within the same 50 miles lie 8 smaller Census places.

How Prairie Rose compares across North Dakota

Within North Dakota, Prairie Rose holds roughly 0.0% of all residents, the 273rd-largest share among 355 places. On the 2020-to-2023 trend, Prairie Rose stands 170th among North Dakota's 355 places — roughly the 52th percentile. At about 1,341 people per square mile, Prairie Rose is the 22nd most densely settled place in North Dakota. The population moved by about 1 people between 2020 and 2023, a 1.8% shift.

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