Personal loans in Regan, ND

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Regan's 34 residents.

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.

Two households in Regan with comparable incomes can still be offered different rates; the city's 34 residents are not the reason. Regan is one of 355 Census places in North Dakota; its 34 residents put it at 301st. Census figures put the 2020-to-2023 decrease in Regan at about 2.9%. Pull your credit reports and line up at least three offers before you apply from Regan. For a bigger market, look to Wing, ND about 12 miles away.

The Regan data picture

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

How lenders reach Regan

With about 34 residents per square mile, Regan is sparsely settled, and 27 larger Census places sit within 50 miles. What is available to Regan's 34 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Wing, ND about 12 miles away.

Regan in state context

Set beside North Dakota's 355 places, Regan ranks 301st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Regan stands 245th among North Dakota's 355 places — roughly the 31th percentile. Its roughly 34 residents per square mile place it 339th among North Dakota's places. In land area, Regan ranks 104th among North Dakota's 355 places.

How North Dakota law applies in Regan

Read the table as a lender's compliance picture for Regan: the rule, the sourced figure, the publisher and the 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
Small-loan / installment lender licensingMoney broker license required to engage in money brokering (arranging/providing loans); issued by the commissioner of financial institutions.
Source says: "may not engage in money brokering in the state of North Dakota without a money broker license issued by the commissioner" (N.D.C.C. 13-04.1-02).		North Dakota Legislative Branch
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

What shapes a Regan personal loan

In Regan, a small community of about 34, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Regan lender to disclose the APR and finance charge before you sign. The term you choose in Regan decides the split between a comfortable payment and the total interest you pay.

Before you apply in Regan

Complete these steps first when you borrow in Regan (34 residents):

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the North Dakota licence with the regulator named above before committing.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Make sure the new payment leaves room in a budget you already keep.

None of these steps is Regan-specific: the same North Dakota licensing and disclosure rules reach all 34 residents.

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