Personal loans in Scranton, ND

Scranton counts about 248 people, and what is genuinely local about borrowing here is limited — North Dakota law does the governing. By population, Scranton sits at 137th in North Dakota, with an estimated 248 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.

For a community of about 248, the practical step is to compare APR across at least three lenders before committing. Census figures put the 2020-to-2023 decrease in Scranton at about 4.2%. To lend to Scranton's 248 residents, a company must hold a North Dakota licence, and each sourced row below names the regulator behind it. For a bigger market, look to Bowman, ND about 13 miles away.

What the Census records for Scranton

Here is the sourced Census picture for Scranton, plus the North Dakota lending rules that apply to a loan taken out here.

A practical checklist for Scranton borrowers

These steps shape the offer you get in Scranton, a place of about 248 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Look the lender up in the North Dakota regulator's licence records before you sign.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Be clear on what the loan is for and how it gets repaid.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across North Dakota; what changes is your credit file, not the fact that Scranton holds 248 people.

Lender access in Scranton

With about 362 residents per square mile, Scranton is lightly settled, and 6 larger Census places sit within 50 miles. Lenders licensed in North Dakota reach Scranton's 248 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Bowman, ND about 13 miles away.

Where Scranton sits

Inside Scranton's boundaries lie about 0.7 square miles of land, with no significant water area recorded. That land carries about 362 people per square mile. The state's population centre of gravity, Fargo, is roughly 304 miles away. Counting outward 50 miles, 6 larger communities surround Scranton. The 100-mile radius contains 24 larger places.

The North Dakota lending rules that reach Scranton

For the roughly 248 residents of Scranton, 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
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

How personal loans work in Scranton

With roughly 248 residents, Scranton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Scranton. Shortening the term on a Scranton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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