Personal loans in Wyndmere, ND

Wyndmere is a small community of about 448 residents, and a personal loan taken out here is governed by North Dakota statute. Wyndmere is one of 355 Census places in North Dakota; its 448 residents put it at 98th.

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.

The next larger city is Lidgerwood, ND about 13 miles away. Census figures put the 2020-to-2023 decrease in Wyndmere at about 0.7%. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Wyndmere as from the rest of the state. Price two or three terms so you can see which payment is truly affordable in Wyndmere.

Wyndmere: the sourced local profile

The figures below are Wyndmere's own — Census population, land area and coordinates — followed by the North Dakota rules.

Where Wyndmere sits in North Dakota

Among North Dakota's 355 places, Wyndmere sits at 98th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 104th of 355 North Dakota places, putting it near the 71th percentile for growth. Its roughly 521 residents per square mile place it 135th among North Dakota's places. The population moved by about 3 people between 2020 and 2023, a 0.7% shift.

North Dakota consumer-lending rules applied in Wyndmere

Every row below records a North Dakota rule, its publisher and its retrieval date — the same rules a Wyndmere lender must follow.

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
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
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

The anatomy of a Wyndmere personal loan

A Wyndmere personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 448 residents. Two numbers drive a Wyndmere loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Wyndmere loan is knowable in advance — unlike a revolving card balance.

Borrowing reach in Wyndmere

Wyndmere is moderately settled, with about 521 people per square mile and 27 larger places within 50 miles. Lenders licensed in North Dakota reach Wyndmere's 448 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Lidgerwood, ND about 13 miles away.

Where Wyndmere sits

The Census Gazetteer records about 0.9 square miles of land within Wyndmere, with no significant water area listed. With 448 residents, the land area yields roughly 521 people per square mile. The largest place in North Dakota, Fargo, lies about 44 miles away. Within 50 miles of Wyndmere there are 27 larger Census places. The 100-mile radius contains 85 larger places.

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