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%.
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.
- Population: 576 — Edgeley ranks 88th of 355 communities in North Dakota (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 0.2% across the 2020-to-2023 comparison.
- Net change: roughly 1 more people than the 2020 Census counted.
- Size percentile: roughly 75% of North Dakota places rank below Edgeley.
- Population density: 769 people per square mile on 0.7 square miles of land.
- By land area: Edgeley ranks 149th among North Dakota's 355 places, at 0.7 sq mi.
- Share of North Dakota: Edgeley holds about 0.1% of the state's population, some 576 people.
- National standing: Edgeley ranks 12,604th of 19,457 US places.
- Growth rank: Edgeley's 2020-to-2023 change ranks 44th of 355 places in North Dakota.
- Against the state trend: Edgeley's 0.2% change compares with a North Dakota average of -1.2% across its 355 places.
- Density rank: Edgeley is the 75th most densely settled place in North Dakota.
- Density vs North Dakota: Edgeley's 769 people per square mile compare with a state median of 352.
- Location: it lies at 46.3624, -98.7126 in the Census Gazetteer.
- Nearest larger cities: LaMoure (20 mi); Ellendale (26 mi); Oakes (34 mi); Jamestown (38 mi); Ashley (39 mi). Larger metros often have more branches, but online lenders reach Edgeley on the same terms.
- Smaller communities within reach: Berlin (11 mi); Kulm (12 mi); Monango (14 mi).
- Smaller neighbours: 31 places smaller than Edgeley sit within 50 miles.
- At 100 miles: 38 larger Census places fall inside that radius.
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.
| 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 |
| 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.
Common questions
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Nearby places
- Monango, ND — population 29
- Berlin, ND — population 30
- Kulm, ND — population 366
- Jud, ND — population 63
- Dickey, ND — population 50
- Fullerton, ND — population 57
- Montpelier, ND — population 86
- Fredonia, ND — population 38