Personal loans in Braddock, ND
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Braddock's 17 residents.
With roughly 17 residents, Braddock is a small community, and the lending rules its borrowers live under are written in North Dakota, not by the city. At about 17 residents, Braddock is larger than roughly 7% of the places in North Dakota. The trend for Braddock between 2020 and 2023 is upward by roughly 6.2%. Price two or three terms so you can see which payment is truly affordable in Braddock. A larger market lies at Hazelton, ND about 11 miles away.
The Braddock data picture
The figures below are Braddock's own — Census population, land area and coordinates — followed by the North Dakota rules.
- Population: an estimated 17 residents, 331st of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 6.2% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 1 residents.
- Size percentile: bigger than about 7% of the places in North Dakota, with 17 residents in Braddock.
- Density: roughly 68 residents per square mile, spread over 0.2 sq mi of land.
- By land area: Braddock ranks 285th among North Dakota's 355 places, at 0.2 sq mi.
- State population share: Braddock accounts for about 0.0% of everyone in North Dakota.
- Nationally: Braddock is the 19,368th-largest of 19,457 Census places in the dataset.
- Growth in North Dakota: Braddock stands 12th by percentage change from 2020 to 2023, among 355 places.
- Against the state trend: Braddock's 6.2% change compares with a North Dakota average of -1.2% across its 355 places.
- Density rank: Braddock is the 310th most densely settled place in North Dakota.
- Against the state median: Braddock runs about 68 residents per square mile, where the North Dakota median is 352.
- Location: coordinates 46.5640, -100.0896 (US Census Bureau Gazetteer).
- Nearest larger cities: Hazelton (11 mi); Napoleon (16 mi); Linton (22 mi); Steele (22 mi); Dawson (26 mi). Larger metros often have more branches, but online lenders reach Braddock on the same terms.
- Smaller towns nearby: Artas (49 mi); Lowry (86 mi); Hamberg (87 mi).
- Smaller places within 50 miles: 1 of them.
- At 100 miles: 121 larger Census places fall inside that radius.
What to do before borrowing in Braddock
Complete these steps first when you borrow in Braddock (17 residents):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Look the lender up in the North Dakota regulator's licence records before you sign.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
The process is identical across North Dakota; what changes is your credit file, not the fact that Braddock holds 17 people.
The North Dakota lending rules that reach Braddock
Read the table as a lender's compliance picture for Braddock: the rule, the sourced figure, the publisher and the date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | North 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 |
| Small-loan / installment lender licensing | Money 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 |
| Usury penalties (state-specific rule) | Usury forfeits all interest plus 25% of principal; charging usurious interest is a class B misdemeanor. Source says: "shall be deemed a forfeiture of the entire interest" and "a forfeiture of twenty-five percent of the principal" (N.D.C.C. 47-14-10); usury is a class B misdemeanor (47-14-11). | North Dakota Legislative Branch as of 2026-09-16 |
How a Braddock personal loan is priced
In Braddock, a small community of about 17, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Braddock. Shortening the term on a Braddock loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Braddock sits in North Dakota
Against North Dakota's other places, Braddock accounts for about 0.0% of the state's population and ranks 331st of 355 by size. On the 2020-to-2023 trend, Braddock stands 12th among North Dakota's 355 places — roughly the 97th percentile. By density, at about 68 people per square mile, it ranks 310th in North Dakota. By land area, its 0.2 square miles rank 285th of 355 places in North Dakota.
What is available to Braddock borrowers
Braddock is a sparsely settled community of about 17 people, with 26 larger places inside a 50-mile radius. What is available to Braddock's 17 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. The nearest larger city, Hazelton, ND about 11 miles away.
Common questions
What are my options in Braddock if my credit is poor?
What loan size can I expect in Braddock?
Do I have to pledge anything to borrow in Braddock?
Does comparing loans in Braddock cost me credit score points?
Nearby places
- Hazelton, ND — population 219
- Napoleon, ND — population 745
- Linton, ND — population 1,045
- Steele, ND — population 652
- Strasburg, ND — population 364
- Dawson, ND — population 73
- Hague, ND — population 65
- Tappen, ND — population 211