Personal loans in Wing, ND

Population in Wing dropped about 2.2% over the three years from 2020 to 2023. The Census estimates 131 residents in Wing, which ranks it 193rd of 355 places in North Dakota. Personal loans in Wing are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 131 population. Read the disclosure for an origination fee and any prepayment penalty before signing in Wing. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Wing as from the rest of the state. The nearest larger city is Wilton, ND about 24 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

Where Wing stands

Set out below is Wing's local context next to the state-level rules that reach every lender here.

How personal loans work in Wing

With roughly 131 residents, Wing is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Wing's 131 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Wing loan but raises total interest, so the smallest payment is not the cheapest loan.

Getting a loan in Wing

With about 205 residents per square mile, Wing is lightly settled, and 16 larger Census places sit within 50 miles. A North Dakota licence lets a lender serve Wing without a local office, so branch density does not change what its 131 residents are offered. For a larger market, the closest option is Wilton, ND about 24 miles away.

The North Dakota lending rules that reach Wing

Below are the North Dakota rules that apply to a loan made in Wing, each with the regulator that issued it.

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
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
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

Wing: area, density and distance

Inside Wing's boundaries lie about 0.6 square miles of land, with no significant water area recorded. Spread across it are roughly 205 residents per square mile. Fargo, the largest place in North Dakota, is about 164 miles from Wing. A 50-mile radius around Wing takes in 16 places that are larger. Within the same 50 miles lie 13 smaller Census places.

How Wing compares across North Dakota

Wing is the 193rd-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, Wing ranks 198th of 355 in North Dakota (about the 44th percentile). At about 205 people per square mile, Wing is the 245th most densely settled place in North Dakota. The population moved by about 3 people between 2020 and 2023, a 2.2% shift.

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