Personal loans in Sykeston, ND
With roughly 99 residents, Sykeston is a small community, and the lending rules its borrowers live under are written in North Dakota, not by the city. For the 99 people in Sykeston, North Dakota runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The Census counts 99 people in Sykeston, the 216th-largest figure among North Dakota's 355 places. If debt is already a strain, a nonprofit credit counsellor can help Sykeston residents before they take on more. Sykeston shed about 3.9% of its population between the 2020 base and the 2023 estimate. A larger market lies at Carrington, ND about 13 miles away.
Local context for Sykeston
Most of what governs a Sykeston loan is written in North Dakota law rather than in the city; the sourced notes below make that split concrete.
- Population: 99 people, a figure that places Sykeston 216th among the 355 Census places in North Dakota (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 3.9% since the 2020 count.
- Absolute change: 4 residents lost between 2020 and 2023.
- Size percentile: Sykeston's 99 people outrank roughly 39% of the places in North Dakota.
- Population density: about 251 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Sykeston's 0.4 square miles rank 212th of 355 places in North Dakota.
- Within North Dakota: about 0.0% of the state's population lives in Sykeston.
- National rank: Sykeston sits 18,151st by population among the 19,457 places in this dataset.
- Growth rank: Sykeston's 2020-to-2023 change ranks 293rd of 355 places in North Dakota.
- Versus North Dakota: the state average change is -1.2%, while Sykeston moved 3.9%.
- Density in North Dakota: Sykeston ranks 217th by people per square mile.
- Against the state median: Sykeston runs about 251 residents per square mile, where the North Dakota median is 352.
- Location: 47.4661, -99.3993 (Census Gazetteer coordinates).
- Nearest larger cities: Carrington (13 mi); Bowdon (14 mi); Fessenden (17 mi); New Rockford (19 mi); Sheyenne (28 mi). Online lenders reach Sykeston no matter how far the nearest branch is.
- Smaller communities close by: Cathay (6 mi); Hamberg (21 mi); Woodworth (23 mi), each with its own Census population profile.
- Smaller places within 50 miles: 21 of them.
- Within 100 miles: 93 places are larger than Sykeston.
What shapes a Sykeston personal loan
In Sykeston, a small community of about 99, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Sykeston's 99 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Sykeston loan but raises total interest, so the smallest payment is not the cheapest loan.
The North Dakota lending rules that reach Sykeston
These are North Dakota's sourced lending facts as they reach Sykeston's 99 residents; the state has no city-level rate rule.
| 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 |
| Maximum legal interest rate (usury cap) | Formula ceiling: 6-month U.S. Treasury bill average + 5.5 percentage points, never less than 7%; NDDFI-published rate for September 2026: 9.204%. Source says: "The rate is equal to five and one-half percent (5.5%) higher than the current cost of money" and "the maximum allowable interest rate ceiling may not be less than seven (7) percent" (NDDFI Usury Rate page; September 2026 rate 9.204%). | 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 |
A pre-application checklist for Sykeston
A sensible order of operations for a loan in Sykeston, home to about 99 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Verify the lender's North Dakota licence with the regulator listed on this page.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
- Borrow only what the purpose requires, not the maximum you are offered.
In Sykeston as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 99 residents.
Lender access in Sykeston
Sykeston is a lightly settled community of about 99 people, with 18 larger places inside a 50-mile radius. Distance to a branch rarely matters for Sykeston's 99 residents: the application is online and the price follows your credit file. The nearest bigger place is Carrington, ND about 13 miles away.
How Sykeston compares across North Dakota
Sykeston is the 216th-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, Sykeston ranks 293rd of 355 in North Dakota (about the 17th percentile). By density, at about 251 people per square mile, it ranks 217th in North Dakota. Between 2020 and 2023 the count changed by roughly 4 residents.
Common questions
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Nearby places
- Cathay, ND — population 21
- Carrington, ND — population 2,009
- Fessenden, ND — population 452
- Bowdon, ND — population 139
- Hamberg, ND — population 12
- Woodworth, ND — population 45
- New Rockford, ND — population 1,310
- Pettibone, ND — population 58