Personal loans in Ashley, ND

Ashley is a small community of about 602 residents, and a personal loan taken out here is governed by North Dakota statute. Ashley ranks 84th of 355 places in North Dakota, with a population near 602.

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.

From the 2020 Census base to the 2023 estimate, the population declined by about 1.6%. Which products a lender may offer to Ashley's 602 residents follows from the North Dakota consumer-lending framework. Read the disclosure for an origination fee and any prepayment penalty before signing in Ashley. The closest larger place is Wishek, ND about 18 miles away.

Ashley: the sourced local profile

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

Before you apply in Ashley

For Ashley's roughly 602 residents, these are the steps that most influence the offer:

  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. Confirm the lender holds a North Dakota licence by checking the regulator named above.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Be clear on what the loan is for and how it gets repaid.

None of these steps is Ashley-specific: the same North Dakota licensing and disclosure rules reach all 602 residents.

How lenders reach Ashley

At roughly 936 people per square mile, Ashley is moderately settled; 7 larger places lie within 50 miles. What is available to Ashley's 602 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Wishek, ND about 18 miles away.

The state rulebook for Ashley

These are North Dakota's sourced lending facts as they reach Ashley's 602 residents; the state has no city-level rate rule.

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

Ashley in state context

Ashley is the 84th-largest of 355 Census places in North Dakota and contains about 0.1% of the state's people. For population change between 2020 and 2023, Ashley ranks 158th of 355 in North Dakota (about the 55th percentile). Its roughly 936 residents per square mile place it 61st among North Dakota's places. Within 50 miles sit 28 smaller Census places, alongside the 7 that are larger.

Ashley on the map

The Census Gazetteer records about 0.6 square miles of land within Ashley, with no significant water area listed. The resulting density is about 936 people per square mile. Fargo, the largest place in North Dakota, is about 134 miles from Ashley. A 50-mile radius around Ashley takes in 7 places that are larger. Within the same 50 miles lie 28 smaller Census places.

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

Nearby places

Related