Personal loans in Balta, ND

Population in Balta dropped about 3.2% over the three years from 2020 to 2023. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Balta loan. To lend to Balta's 60 residents, a company must hold a North Dakota licence, and each sourced row below names the regulator behind it. The closest larger city is Rugby, ND about 14 miles away.

What the Census records for Balta

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

• Population: 60 residents; Balta is the 266th-largest of 355 places in North Dakota (US Census Bureau, Vintage 2023).
• Population trend: Roughly 3.2% fewer residents than the 2020 Census counted.
• Absolute change: 2 residents lost between 2020 and 2023.
• Size percentile: about 25% of North Dakota's Census places are smaller than Balta.
• Density: the Census land area of 0.2 sq mi holds about 264 people per square mile.
• Land area: Balta covers 0.2 square miles, the 298th-largest area among North Dakota's 355 places.
• Water area: Balta has 0.03 square miles of water, ranking 36th of 355 places in North Dakota.
• Share of North Dakota: Balta holds about 0.0% of the state's population, some 60 people.
• National rank: Balta sits 18,817th by population among the 19,457 places in this dataset.
• Growth rank: Balta ranks 269th among North Dakota's 355 places for the 2020-to-2023 change.
• Against the state trend: Balta's 3.2% change compares with a North Dakota average of -1.2% across its 355 places.
• Density in North Dakota: Balta ranks 208th by people per square mile.
• Against the state median: Balta runs about 264 residents per square mile, where the North Dakota median is 352.
• Location: mapped by the US Census Bureau at 48.1662, -100.0366.
• Nearest larger cities: Rugby (14 mi); Esmond (16 mi); Towner (21 mi); Anamoose (22 mi); Drake (23 mi). Larger metros often have more branches, but online lenders reach Balta on the same terms.
• Smaller communities within reach: Knox (20 mi); York (24 mi); Balfour (27 mi).
• Within a 50-mile radius: 15 smaller Census places.
• At 100 miles: 96 larger Census places fall inside that radius.

How personal loans work in Balta

With roughly 60 residents, Balta is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Balta's rank of 266th in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Balta decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Balta

Balta is a lightly settled community of about 60 people, with 27 larger places inside a 50-mile radius. Distance to a branch rarely matters for Balta's 60 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Rugby, ND about 14 miles away.

Which North Dakota laws govern a loan in Balta

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

What to do before borrowing in Balta

These steps shape the offer you get in Balta, a place of about 60 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Look the lender up in the North Dakota regulator's licence records before you sign.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Balta-specific: the same North Dakota licensing and disclosure rules reach all 60 residents.

Where Balta sits in North Dakota

Balta is the 266th-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 269th of 355 North Dakota places, putting it near the 24th percentile for growth. At about 264 people per square mile, Balta is the 208th most densely settled place in North Dakota. Within 50 miles sit 15 smaller Census places, alongside the 27 that are larger.