Personal loans in Edgeley, ND

With 576 residents, Edgeley outranks about 75% of the communities in North Dakota. The trend for Edgeley between 2020 and 2023 is upward by roughly 0.2%.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The roughly 576 people who live in Edgeley borrow under North Dakota rules; city hall sets no personal-loan rate. To lend to Edgeley's 576 residents, a company must hold a North Dakota licence, and each sourced row below names the regulator behind it. Price two or three terms so you can see which payment is truly affordable in Edgeley. The closest larger place is LaMoure, ND about 20 miles away.

Local context for Edgeley

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

Edgeley against the rest of North Dakota

Set beside North Dakota's 355 places, Edgeley ranks 88th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Edgeley stands 44th among North Dakota's 355 places — roughly the 88th percentile. By density, at about 769 people per square mile, it ranks 75th in North Dakota. By land area, its 0.7 square miles rank 149th of 355 places in North Dakota.

Land, water and location for Edgeley

The Census Gazetteer records about 0.7 square miles of land within Edgeley, with no significant water area listed. With 576 residents, the land area yields roughly 769 people per square mile. The state's population centre of gravity, Fargo, is roughly 96 miles away. Within 50 miles of Edgeley there are 7 larger Census places. Within the same 50 miles lie 31 smaller Census places.

The state rulebook for Edgeley

For the roughly 576 residents of Edgeley, the rules below are North Dakota's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorNorth 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
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
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

What shapes a Edgeley personal loan

Most loans made to Edgeley's 576 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Edgeley loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Edgeley loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Edgeley

Edgeley is a moderately settled community of about 576 people, with 7 larger places inside a 50-mile radius. Whether Edgeley has a local branch or not, a North Dakota-licensed lender can serve its 576 people online on the same terms. For a larger market, the closest option is LaMoure, ND about 20 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Edgeley 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 Edgeley is the same as anywhere in North Dakota.
What loan size can I expect in Edgeley?
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 Edgeley?
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 Edgeley 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

Related