Personal loans in Cathay, ND

Begin with the payment, then weigh APR and total interest across the lenders that reach Cathay's 21 residents. State law, not city hall, decides what a lender may do to Cathay's roughly 21 residents, and a state regulator supervises it. Cathay shed about 4.5% of its population between the 2020 base and the 2023 estimate. The closest larger city is Sykeston, ND about 6 miles away.

Local context for Cathay

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

• Population: an estimated 21 residents, 324th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 4.5% fewer residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
• Size percentile: Cathay's 21 people outrank roughly 9% of the places in North Dakota.
• Population density: about 114 people per square mile (Census land area 0.2 sq mi).
• By land area: Cathay ranks 317th among North Dakota's 355 places, at 0.2 sq mi.
• State population share: Cathay accounts for about 0.0% of everyone in North Dakota.
• National standing: Cathay ranks 19,332nd of 19,457 US places.
• Growth rank: Cathay's 2020-to-2023 change ranks 321st of 355 places in North Dakota.
• Versus North Dakota: the state average change is -1.2%, while Cathay moved 4.5%.
• Density in North Dakota: Cathay ranks 284th by people per square mile.
• Against the state median: Cathay runs about 114 residents per square mile, where the North Dakota median is 352.
• Location: 47.5539 / -99.4113, per the US Census Bureau Gazetteer.
• Nearest larger cities: Sykeston (6 mi); Fessenden (12 mi); Carrington (15 mi); Bowdon (15 mi); New Rockford (15 mi). Living near a larger metro rarely changes what is available in Cathay.
• Nearest smaller towns: Hamberg (15 mi); York (53 mi); Kief (55 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 1 of them.
• At 100 miles: 158 larger Census places fall inside that radius.

Borrowing reach in Cathay

At roughly 114 people per square mile, Cathay is lightly settled; 36 larger places lie within 50 miles. Whether Cathay has a local branch or not, a North Dakota-licensed lender can serve its 21 people online on the same terms. The nearest bigger place is Sykeston, ND about 6 miles away.

The Cathay borrowing checklist

For Cathay's roughly 21 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Look the lender up in the North Dakota regulator's licence records before you sign.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Cathay-specific: the same North Dakota licensing and disclosure rules reach all 21 residents.

Where Cathay sits in North Dakota

Within North Dakota, Cathay holds roughly 0.0% of all residents, the 324th-largest share among 355 places. Its 2020-to-2023 change ranks 321st of 355 North Dakota places, putting it near the 10th percentile for growth. Its roughly 114 residents per square mile place it 284th among North Dakota's places. Within 50 miles sit 1 smaller Census places, alongside the 36 that are larger.

Cathay: area, density and distance

The Census Gazetteer records about 0.2 square miles of land within Cathay, with no significant water area listed. Spread across it are roughly 114 residents per square mile. For the state's biggest city, Fargo, the distance is roughly 130 miles. Counting outward 50 miles, 36 larger communities surround Cathay. The 100-mile radius contains 158 larger places.

The state rulebook for Cathay

Read the table as a lender's compliance picture for Cathay: the rule, the sourced figure, the publisher and the date.