Personal loans in Bottineau, ND

In Bottineau, one of 355 Census places in North Dakota, the figure to compare across lenders is the APR, not the advertised rate. Use the calculator on this page to price an amount and term before you commit in Bottineau. To lend to Bottineau's 2,171 residents, a company must hold a North Dakota licence, and each sourced row below names the regulator behind it. The closest larger place is Rugby, ND about 38 miles away.

Borrowing in Bottineau: the local picture

The figures below are Bottineau's own — Census population, land area and coordinates — followed by the North Dakota rules.

• Population: about 2,171, ranked 24th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 0.9% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a loss of about 20 residents.
• Size percentile: Bottineau's 2,171 people outrank roughly 93% of the places in North Dakota.
• Density: roughly 1,650 residents per square mile, spread over 1.3 sq mi of land.
• Land area: Bottineau covers 1.3 square miles, the 82nd-largest area among North Dakota's 355 places.
• State population share: Bottineau accounts for about 0.4% of everyone in North Dakota.
• National standing: Bottineau ranks 7,336th of 19,457 US places.
• Growth rank: Bottineau's 2020-to-2023 change ranks 112th of 355 places in North Dakota.
• State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Bottineau's 0.9%.
• Density in North Dakota: Bottineau ranks 12th by people per square mile.
• Against the state median: Bottineau runs about 1,650 residents per square mile, where the North Dakota median is 352.
• Location: 48.8248 / -100.4425, per the US Census Bureau Gazetteer.
• Nearest larger cities: Rugby (38 mi); Minot (56 mi); Devils Lake (87 mi); Stanley (96 mi); New Town (110 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Gardena (9 mi); Souris (12 mi); Kramer (15 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 27 of them.
• Larger places within 100 miles: 4.

How North Dakota law applies in Bottineau

Below are the North Dakota rules that apply to a loan made in Bottineau, each with the regulator that issued it.

Where Bottineau sits in North Dakota

Among North Dakota's 355 places, Bottineau sits at 24th for population, a share of roughly 0.4% of the state. For population change between 2020 and 2023, Bottineau ranks 112th of 355 in North Dakota (about the 68th percentile). Its roughly 1,650 residents per square mile place it 12th among North Dakota's places. Between 2020 and 2023 the count changed by roughly 20 residents.

The geography behind Bottineau

Bottineau's land area is roughly 1.3 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,650 people per square mile. Fargo, the largest place in North Dakota, is about 215 miles from Bottineau. A 50-mile radius around Bottineau takes in 1 places that are larger. By land area it ranks 82nd of 355 North Dakota places.

What to do before borrowing in Bottineau

These steps shape the offer you get in Bottineau, a place of about 2,171 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
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. Test the payment against your current bills before you commit.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

The process is identical across North Dakota; what changes is your credit file, not the fact that Bottineau holds 2,171 people.

How lenders reach Bottineau

With about 1,650 residents per square mile, Bottineau is moderately settled, and 1 larger Census places sit within 50 miles. What is available to Bottineau's 2,171 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 Rugby, ND about 38 miles away.