Personal loans in Starkweather, ND
Population in Starkweather dropped about 2.0% over the three years from 2020 to 2023. Starkweather is a small community of about 97 residents, and a personal loan taken out here is governed by North Dakota statute. The Census counts 97 people in Starkweather, the 219th-largest figure among North Dakota's 355 places. The nearest larger city is Cando, ND about 15 miles away. State law, not city hall, decides what a lender may do to Starkweather's roughly 97 residents, and a state regulator supervises it. Read the disclosure for an origination fee and any prepayment penalty before signing in Starkweather.
What the Census records for Starkweather
Only a few things actually differ by place — population, area, location, and the North Dakota rules a lender must follow — and they are below.
- Population: about 97 people live here, which puts Starkweather 219th of 355 Census places in North Dakota (Vintage 2023).
- Population trend: Lower by roughly 2.0% since the 2020 count.
- People gained or lost: about 2 fewer since the 2020 base.
- Size percentile: about 38% of North Dakota's Census places are smaller than Starkweather.
- Population density: about 746 people per square mile (Census land area 0.1 sq mi).
- By land area: Starkweather ranks 338th among North Dakota's 355 places, at 0.1 sq mi.
- State share: roughly 0.0% of North Dakota's residents live in Starkweather (97 people).
- National rank: Starkweather is the 18,190th most populous of the 19,457 Census places covered here.
- Growth rank: Starkweather's 2020-to-2023 change ranks 181st of 355 places in North Dakota.
- Versus North Dakota: the state average change is -1.2%, while Starkweather moved 2.0%.
- Density in North Dakota: Starkweather ranks 82nd by people per square mile.
- Against the state median: Starkweather runs about 746 residents per square mile, where the North Dakota median is 352.
- Location: coordinates 48.4521, -98.8784 (US Census Bureau Gazetteer).
- Nearest larger cities: Cando (15 mi); Munich (15 mi); Edmore (20 mi); Devils Lake (23 mi); Bisbee (26 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Hampden (12 mi); Calio (12 mi); Alsen (15 mi).
- Smaller neighbours: 25 places smaller than Starkweather sit within 50 miles.
- At 100 miles: 82 larger Census places fall inside that radius.
Where Starkweather sits
Starkweather covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 746 people per square mile. The state's population centre of gravity, Fargo, is roughly 145 miles away. Within 50 miles of Starkweather there are 20 larger Census places. Within the same 50 miles lie 25 smaller Census places.
Starkweather against the rest of North Dakota
Against North Dakota's other places, Starkweather accounts for about 0.0% of the state's population and ranks 219th of 355 by size. For population change between 2020 and 2023, Starkweather ranks 181st of 355 in North Dakota (about the 49th percentile). By density, at about 746 people per square mile, it ranks 82nd in North Dakota. The population moved by about 2 people between 2020 and 2023, a 2.0% shift.
The Starkweather borrowing checklist
A sensible order of operations for a loan in Starkweather, home to about 97 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Test your amount and term in the personal loan calculator first.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Check the North Dakota regulator's records to confirm the lender is licensed here.
- Borrow only what the purpose requires, not the maximum you are offered.
- Be clear on what the loan is for and how it gets repaid.
- 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 Starkweather holds 97 people.
Lender access in Starkweather
Starkweather is a moderately settled community of about 97 people, with 20 larger places inside a 50-mile radius. Lenders licensed in North Dakota reach Starkweather's 97 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Cando, ND about 15 miles away.
Which North Dakota laws govern a loan in Starkweather
For the roughly 97 residents of Starkweather, the rules below are North Dakota's own; each row carries its publisher and retrieval date.
| 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 |
| Payday lending status | Legal 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 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 |
Common questions
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Does comparing loans in Starkweather cost me credit score points?
Nearby places
- Calio, ND — population 5
- Munich, ND — population 186
- Hampden, ND — population 27
- Alsen, ND — population 32
- Egeland, ND — population 30
- Cando, ND — population 1,047
- Devils Lake, ND — population 7,135
- Loma, ND — population 8