Personal loans in Edmore, ND

Edmore is a small community of about 138 residents, and a personal loan taken out here is governed by North Dakota statute. Edmore ranks 188th of 355 places in North Dakota, with a population near 138.

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.

Pull your credit reports and line up at least three offers before you apply from Edmore. Edmore lost roughly 2.1% of its population across the 2020-to-2023 comparison. When North Dakota caps or restricts a product, lenders either change the terms or withdraw it from Edmore as from the rest of the state. A larger market lies at Langdon, ND about 24 miles away.

Edmore: the sourced local profile

Only a few things actually differ by place — population, area, location, and the North Dakota rules a lender must follow — and they are below.

Land, water and location for Edmore

The Census Gazetteer records about 0.3 square miles of land within Edmore, with no significant water area listed. With 138 residents, the land area yields roughly 468 people per square mile. For the state's biggest city, Fargo, the distance is roughly 131 miles. A 50-mile radius around Edmore takes in 18 places that are larger. By land area it ranks 258th of 355 North Dakota places.

The state rulebook for Edmore

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

Borrowing reach in Edmore

At roughly 468 people per square mile, Edmore is lightly settled; 18 larger places lie within 50 miles. What is available to Edmore's 138 borrowers is set by North Dakota licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Langdon, ND about 24 miles away.

Inside a Edmore personal loan

A Edmore personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 138 residents. The APR tracks your credit score rather than Edmore's rank of 188th in North Dakota: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Edmore loan is knowable in advance — unlike a revolving card balance.

Where Edmore sits in North Dakota

Edmore is the 188th-largest of 355 Census places in North Dakota and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 189th of 355 North Dakota places, putting it near the 47th percentile for growth. By density, at about 468 people per square mile, it ranks 144th in North Dakota. In land area, Edmore ranks 258th among North Dakota's 355 places.

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 Edmore 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 Edmore is the same as anywhere in North Dakota.
What loan size can I expect in Edmore?
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 Edmore?
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 Edmore 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