Personal loans in Amidon, ND

Amidon, North Dakota — home to about 23 people — is a small community, so the terms you are offered follow North Dakota law rather than any local rule.

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 Census counts 23 people in Amidon, the 320th-largest figure among North Dakota's 355 places. The trend for Amidon between 2020 and 2023 is downward by roughly 4.2%. Use the calculator on this page to price an amount and term before you commit in Amidon. Borrowers who want a bigger city can look to Bowman, ND about 21 miles away. A lender that serves Amidon operates under North Dakota lending statutes and a North Dakota supervisor.

The Amidon data picture

Here is the sourced Census picture for Amidon, plus the North Dakota lending rules that apply to a loan taken out here.

Amidon's place among North Dakota's 355 places

Among North Dakota's 355 places, Amidon sits at 320th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 305th of 355 North Dakota places, putting it near the 14th percentile for growth. Its roughly 37 residents per square mile place it 337th among North Dakota's places. The population moved by about 1 people between 2020 and 2023, a 4.2% shift.

North Dakota rules behind a Amidon personal loan

For the roughly 23 residents of Amidon, the rules below are North Dakota's own; each row carries its publisher and retrieval date.

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
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 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

Steps to take before a Amidon loan

Complete these steps first when you borrow in Amidon (23 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the North Dakota regulator's licence records before you sign.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Test the payment against your current bills before you commit.
  7. Weigh a shorter term's higher payment against the interest it saves.

What differs between Amidon and the rest of North Dakota is not the process but the borrower's own file, among the 23 people here.

Amidon: area, density and distance

Amidon covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 37 residents per square mile. For the state's biggest city, Fargo, the distance is roughly 309 miles. A 50-mile radius around Amidon takes in 18 places that are larger. By land area it ranks 165th of 355 North Dakota places.

How a Amidon personal loan is priced

A Amidon personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 23 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Amidon. Shortening the term on a Amidon loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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