Personal loans in Ambrose, ND

The roughly 17 people who live in Ambrose borrow under North Dakota rules; city hall sets no personal-loan rate. Census data show virtually no population shift in Ambrose between 2020 and 2023.

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

Compare loan offers Run the numbers first

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.

Roughly 17 residents live in Ambrose, the 330th-largest community in North Dakota. Pull your credit reports and line up at least three offers before you apply from Ambrose. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Ambrose as from the rest of the state. For a bigger market, look to Crosby, ND about 9 miles away.

Ambrose: population, trend and location

What follows is Ambrose's place in the Census record, alongside the North Dakota rules that govern a personal loan made here.

How personal loans work in Ambrose

Most loans made to Ambrose's 17 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Ambrose 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 Ambrose loan is knowable in advance — unlike a revolving card balance.

Where Ambrose sits

Ambrose's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. That land carries about 17 people per square mile. Fargo, the largest place in North Dakota, is about 340 miles from Ambrose. A 50-mile radius around Ambrose takes in 16 places that are larger. The 100-mile radius contains 48 larger places.

Ambrose's place among North Dakota's 355 places

Set beside North Dakota's 355 places, Ambrose ranks 330th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 71st of 355 North Dakota places, putting it near the 80th percentile for growth. At about 17 people per square mile, Ambrose is the 350th most densely settled place in North Dakota. Within 50 miles sit 0 smaller Census places, alongside the 16 that are larger.

North Dakota rules behind a Ambrose personal loan

North Dakota has no separate rate rule for Ambrose; the sourced rows below are what reach every lender that serves its 17 people.

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
Payday lending statusLegal 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 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

Steps to take before a Ambrose loan

Complete these steps first when you borrow in Ambrose (17 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Look the lender up in the North Dakota regulator's licence records before you sign.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Ambrose and the rest of North Dakota is not the process but the borrower's own file, among the 17 people here.

Compare personal loan offers Run the numbers first

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