Personal loans in Coleharbor, ND

Coleharbor is a small community in North Dakota, with an estimated 65 residents, and every licensed lender here follows the same state rulebook. A 2020-to-2023 comparison shows Coleharbor up by about 12.1%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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With 65 residents, Coleharbor outranks about 28% of the communities in North Dakota. If debt is already a strain, a nonprofit credit counsellor can help Coleharbor residents before they take on more. Lenders active in Coleharbor report to a North Dakota supervisor, identified in the sourced rows below. A larger market lies at Underwood, ND about 7 miles away.

What the Census records for Coleharbor

Read the local figures below as context; read the sourced North Dakota table as the rulebook a lender here must follow.

Population: 65 residents; Coleharbor is the 256th-largest of 355 places in North Dakota (US Census Bureau, Vintage 2023).
Population trend: Higher by roughly 12.1% since the 2020 count.
Net change: roughly 7 more people than the 2020 Census counted.
Size percentile: about 28% of North Dakota communities are smaller than Coleharbor (65 residents).
Density: roughly 357 residents per square mile, spread over 0.2 sq mi of land.
By land area: Coleharbor ranks 318th among North Dakota's 355 places, at 0.2 sq mi.
State population share: Coleharbor accounts for about 0.0% of everyone in North Dakota.
National rank: Coleharbor sits 18,735th by population among the 19,457 places in this dataset.
Growth rank: Coleharbor's 2020-to-2023 change ranks 6th of 355 places in North Dakota.
Against the state trend: Coleharbor's 12.1% change compares with a North Dakota average of -1.2% across its 355 places.
Density in North Dakota: Coleharbor ranks 177th by people per square mile.
Density vs North Dakota: Coleharbor's 357 people per square mile compare with a state median of 352.
Location: latitude 47.5425, longitude -101.2214 (Census Gazetteer).
Nearest larger cities: Underwood (7 mi); Riverdale (7 mi); Pick City (11 mi); Garrison (12 mi); Turtle Lake (15 mi). Online lenders reach Coleharbor no matter how far the nearest branch is.
Smaller towns nearby: Ruso (24 mi); Voltaire (37 mi); Bergen (39 mi).
Within a 50-mile radius: 6 smaller Census places.
At 100 miles: 101 larger Census places fall inside that radius.

What is available to Coleharbor borrowers

At roughly 357 people per square mile, Coleharbor is lightly settled; 30 larger places lie within 50 miles. Distance to a branch rarely matters for Coleharbor's 65 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Underwood, ND about 7 miles away.

Coleharbor against the rest of North Dakota

Among North Dakota's 355 places, Coleharbor sits at 256th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 6th of 355 North Dakota places, putting it near the 98th percentile for growth. At about 357 people per square mile, Coleharbor is the 177th most densely settled place in North Dakota. By land area, its 0.2 square miles rank 318th of 355 places in North Dakota.

How personal loans work in Coleharbor

Most loans made to Coleharbor's 65 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Coleharbor loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Coleharbor loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Coleharbor borrowing checklist

These steps shape the offer you get in Coleharbor, a place of about 65 people:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Use the loan calculator to test the payment on your intended amount and term.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Make sure the lender appears in the North Dakota regulator's licence list.
Make sure the new payment leaves room in a budget you already keep.
Weigh a shorter term's higher payment against the interest it saves.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Coleharbor as elsewhere in North Dakota, the written terms — not the advertisement — are what count for its 65 residents.

What North Dakota law requires in Coleharbor

Read the table as a lender's compliance picture for Coleharbor: 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
Maximum legal interest rate (usury cap)	Formula ceiling: 6-month U.S. Treasury bill average + 5.5 percentage points, never less than 7%; NDDFI-published rate for September 2026: 9.204%. Source says: "The rate is equal to five and one-half percent (5.5%) higher than the current cost of money" and "the maximum allowable interest rate ceiling may not be less than seven (7) percent" (NDDFI Usury Rate page; September 2026 rate 9.204%).	North Dakota Department of Financial Institutions as of 2026-09-16
Payday lending status	Legal 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

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Common questions

What are my options in Coleharbor 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 Coleharbor is the same as anywhere in North Dakota.

What loan size can I expect in Coleharbor?

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 Coleharbor?

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 Coleharbor 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

Underwood, ND — population 774
Riverdale, ND — population 223
Garrison, ND — population 1,464
Pick City, ND — population 128
Stanton, ND — population 362
Max, ND — population 323
Washburn, ND — population 1,283
Benedict, ND — population 66