Personal loans in Zap, ND

Where Zap stands

Two layers matter for a Zap borrower: the local population picture and North Dakota's consumer-lending statutes.

• Population: about 224 people live here, which puts Zap 148th of 355 Census places in North Dakota (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 1.3%.
• Net change: roughly 3 fewer people than the 2020 Census counted.
• Size percentile: Zap's 224 people outrank roughly 58% of the places in North Dakota.
• Land and density: 1.0 square miles of land carry roughly 220 residents per square mile.
• By land area: Zap ranks 100th among North Dakota's 355 places, at 1.0 sq mi.
• Share of state population: Zap's 224 residents are about 0.0% of North Dakota.
• National rank: Zap is 16,121st of 19,457 places nationwide.
• Growth rank: Zap ranks 136th among North Dakota's 355 places for the 2020-to-2023 change.
• State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Zap's 1.3%.
• Density in North Dakota: Zap ranks 230th by people per square mile.
• Against the state median: Zap runs about 220 residents per square mile, where the North Dakota median is 352.
• Location: mapped by the US Census Bureau at 47.2851, -101.9237.
• Nearest larger cities: Beulah (7 mi); Hazen (14 mi); Halliday (20 mi); Stanton (25 mi); Hebron (27 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Golden Valley (7 mi); Dodge (13 mi); Pick City (27 mi).
• Smaller neighbours: 9 places smaller than Zap sit within 50 miles.
• Within 100 miles: 54 places are larger than Zap.

The geography behind Zap

Inside Zap's boundaries lie about 1.0 square miles of land, with no significant water area recorded. With 224 residents, the land area yields roughly 220 people per square mile. The state's population centre of gravity, Fargo, is roughly 241 miles away. Zap has 18 larger places within a 50-mile radius. The 100-mile radius contains 54 larger places.

What a Zap borrower is actually offered

Zap is a small community of about 224 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Zap lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Zap loan is knowable in advance — unlike a revolving card balance.

North Dakota rules behind a Zap personal loan

These are North Dakota's sourced lending facts as they reach Zap's 224 residents; the state has no city-level rate rule.

Zap in state context

Within North Dakota, Zap holds roughly 0.0% of all residents, the 148th-largest share among 355 places. On the 2020-to-2023 trend, Zap stands 136th among North Dakota's 355 places — roughly the 62th percentile. By density, at about 220 people per square mile, it ranks 230th in North Dakota. In land area, Zap ranks 100th among North Dakota's 355 places.

Lender access in Zap

Zap is lightly settled, with about 220 people per square mile and 18 larger places within 50 miles. A North Dakota licence lets a lender serve Zap without a local office, so branch density does not change what its 224 residents are offered. For a larger market, the closest option is Beulah, ND about 7 miles away.