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Personal loans in Sawyer, ND

Sawyer ranks 123rd of 355 places in North Dakota, with a population near 307. Census figures put the 2020-to-2023 decrease in Sawyer at about 5.0%. For a borrower among the roughly 307 residents of Sawyer, a personal loan is a tool whose cost turns on the terms, not the address. To lend to Sawyer's 307 residents, a company must hold a North Dakota licence, and each sourced row below names the regulator behind it. If debt is already a strain, a nonprofit credit counsellor can help Sawyer residents before they take on more. The closest larger place is Velva, ND about 6 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.

Sawyer: population, trend and location

The figures below are Sawyer's own — Census population, land area and coordinates — followed by the North Dakota rules.

Inside a Sawyer personal loan

In Sawyer, a small community of about 307, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Sawyer loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Sawyer loan but raises total interest, so the smallest payment is not the cheapest loan.

Sawyer: area, density and distance

Sawyer's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 625 people per square mile. The state's population centre of gravity, Fargo, is roughly 215 miles away. Sawyer has 11 larger places within a 50-mile radius. By land area it ranks 193rd of 355 North Dakota places.

What North Dakota law requires in Sawyer

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

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
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
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

What is available to Sawyer borrowers

Sawyer is moderately settled, with about 625 people per square mile and 11 larger places within 50 miles. A North Dakota licence lets a lender serve Sawyer without a local office, so branch density does not change what its 307 residents are offered. For a larger market, the closest option is Velva, ND about 6 miles away.

Sawyer's place among North Dakota's 355 places

Sawyer is the 123rd-largest of 355 Census places in North Dakota and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Sawyer stands 333rd among North Dakota's 355 places — roughly the 6th percentile. Its roughly 625 residents per square mile place it 109th among North Dakota's places. In land area, Sawyer ranks 193rd among North Dakota's 355 places.

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

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