Personal loans in Souris, ND
Souris is a small community in North Dakota, with an estimated 39 residents, and every licensed lender here follows the same state rulebook. With an estimated 39 residents, Souris is the 293rd-largest of 355 places in North Dakota.
The 2020-to-2023 change in Souris is negligible, under a tenth of a percent. Work out your debt-to-income ratio first; lenders weigh it heavily, and Souris's 39 residents are no exception. The closest larger place is Bottineau, ND about 12 miles away. For the 39 people in Souris, North Dakota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.
What the Census records for Souris
What follows is Souris's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.
- Population: about 39 people live here, which puts Souris 293rd of 355 Census places in North Dakota (Vintage 2023).
- Population trend: Stable from the 2020 base to 2023.
- Size percentile: roughly 17% of North Dakota's places have fewer residents than Souris's 39.
- Density: the Census land area of 0.1 sq mi holds about 398 people per square mile.
- Land area: Souris covers 0.1 square miles, the 345th-largest area among North Dakota's 355 places.
- State share: roughly 0.0% of North Dakota's residents live in Souris (39 people).
- Nationally: Souris is the 19,123rd-largest of 19,457 Census places in the dataset.
- Growth in North Dakota: Souris stands 58th by percentage change from 2020 to 2023, among 355 places.
- Against the state trend: Souris's 0.0% change compares with a North Dakota average of -1.2% across its 355 places.
- Density rank: Souris places 165th among North Dakota's places by people per square mile.
- Density vs North Dakota: Souris's 398 people per square mile compare with a state median of 352.
- Location: mapped by the US Census Bureau at 48.9100, -100.6826.
- Nearest larger cities: Bottineau (12 mi); Westhope (15 mi); Newburg (17 mi); Upham (23 mi); Maxbass (25 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Landa (10 mi); Kramer (15 mi); Gardena (17 mi).
- Within a 50-mile radius: 7 smaller Census places.
- Larger places within 100 miles: 71.
How a Souris personal loan is priced
A Souris personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 39 residents. A lender serving Souris's 39 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Souris loan but raises total interest, so the smallest payment is not the cheapest loan.
Borrowing reach in Souris
With about 398 residents per square mile, Souris is lightly settled, and 18 larger Census places sit within 50 miles. What is available to Souris's 39 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Bottineau, ND about 12 miles away.
Souris's place among North Dakota's 355 places
Souris is the 293rd-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. For population change between 2020 and 2023, Souris ranks 58th of 355 in North Dakota (about the 84th percentile). At about 398 people per square mile, Souris is the 165th most densely settled place in North Dakota. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.
Which North Dakota laws govern a loan in Souris
When North Dakota does not publish a figure, the row links to the source instead of inventing a number; Souris is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | North 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 licensing | Money 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 |
Souris on the map
Inside Souris's boundaries lie about 0.1 square miles of land, with no significant water area recorded. Spread across it are roughly 398 residents per square mile. Fargo, the largest place in North Dakota, is about 228 miles from Souris. A 50-mile radius around Souris takes in 18 places that are larger. The 100-mile radius contains 71 larger places.
Common questions
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Nearby places
- Kramer, ND — population 24
- Landa, ND — population 38
- Bottineau, ND — population 2,171
- Gardena, ND — population 23
- Newburg, ND — population 94
- Upham, ND — population 130
- Westhope, ND — population 374
- Willow City, ND — population 149