Personal loans in Courtenay, ND
Every figure below is North Dakota's own, applied to Courtenay's 37 residents, with the publisher and retrieval date attached.
In Courtenay, one of 355 Census places in North Dakota, the figure to compare across lenders is the APR, not the advertised rate. Roughly 37 residents live in Courtenay, the 298th-largest community in North Dakota. A 2020-to-2023 comparison shows Courtenay down by about 2.6%. Verify the lender's North Dakota licence against the regulator named below before borrowing in Courtenay. The nearest larger metro is Wimbledon, ND about 6 miles away.
The Courtenay data picture
Most of what governs a Courtenay loan is written in North Dakota law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 37 residents in Courtenay (Vintage 2023 subcounty estimate), the 298th-largest figure among North Dakota's 355 places.
- Population trend: Down about 2.6% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 1 fewer people than the 2020 Census counted.
- Size percentile: about 16% of North Dakota communities are smaller than Courtenay (37 residents).
- Land and density: 0.4 square miles of land carry roughly 89 residents per square mile.
- Land area rank: Courtenay's 0.4 square miles rank 207th of 355 places in North Dakota.
- Share of North Dakota: Courtenay holds about 0.0% of the state's population, some 37 people.
- National rank: Courtenay is 19,144th of 19,457 places nationwide.
- Growth in North Dakota: Courtenay stands 230th by percentage change from 2020 to 2023, among 355 places.
- State comparison: North Dakota's places average -1.2% for 2020-to-2023, against Courtenay's 2.6%.
- Density in North Dakota: Courtenay ranks 298th by people per square mile.
- Density in context: Courtenay's 89 people per square mile sit against a North Dakota median of 352.
- Location: 47.2241, -98.5685 (US Census Bureau Gazetteer).
- Nearest larger cities: Wimbledon (6 mi); Kensal (9 mi); Spiritwood Lake (10 mi); Glenfield (16 mi); Pingree (17 mi). Online lenders reach Courtenay no matter how far the nearest branch is.
- Smaller communities within reach: Leal (14 mi); Sibley (28 mi); Luverne (30 mi).
- Smaller neighbours: 5 places smaller than Courtenay sit within 50 miles.
- Within 100 miles: 175 places are larger than Courtenay.
The anatomy of a Courtenay personal loan
With roughly 37 residents, Courtenay 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 Courtenay's rank of 298th 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 Courtenay decides the split between a comfortable payment and the total interest you pay.
Which North Dakota laws govern a loan in Courtenay
When North Dakota does not publish a figure, the row links to the source instead of inventing a number; Courtenay is bound by the same rules.
| 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 |
| 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 |
| 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 |
The geography behind Courtenay
Courtenay covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 89 people per square mile. The largest place in North Dakota, Fargo, lies about 86 miles away. Courtenay has 42 larger places within a 50-mile radius. The 100-mile radius contains 175 larger places.
Borrowing reach in Courtenay
With about 89 residents per square mile, Courtenay is sparsely settled, and 42 larger Census places sit within 50 miles. Whether Courtenay has a local branch or not, a North Dakota-licensed lender can serve its 37 people online on the same terms. For a larger market, the closest option is Wimbledon, ND about 6 miles away.
Courtenay's place among North Dakota's 355 places
Among North Dakota's 355 places, Courtenay sits at 298th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Courtenay ranks 230th of 355 in North Dakota (about the 35th percentile). By density, at about 89 people per square mile, it ranks 298th in North Dakota. Between 2020 and 2023 the count changed by roughly 1 residents.
Common questions
What are my options in Courtenay if my credit is poor?
What loan size can I expect in Courtenay?
Do I have to pledge anything to borrow in Courtenay?
Does comparing loans in Courtenay cost me credit score points?
Nearby places
- Wimbledon, ND — population 176
- Spiritwood Lake, ND — population 92
- Kensal, ND — population 147
- Glenfield, ND — population 95
- Leal, ND — population 24
- Buchanan, ND — population 84
- Jamestown, ND — population 15,691
- Pingree, ND — population 43