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.
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.
- Population: about 138, ranked 188th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: About 2.1% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: about 47% of North Dakota communities are smaller than Edmore (138 residents).
- Population density: about 468 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Edmore covers 0.3 square miles, the 258th-largest area among North Dakota's 355 places.
- Share of North Dakota: Edmore holds about 0.0% of the state's population, some 138 people.
- National standing: Edmore ranks 17,459th of 19,457 US places.
- Growth in North Dakota: Edmore stands 189th by percentage change from 2020 to 2023, among 355 places.
- Against the state trend: Edmore's 2.1% change compares with a North Dakota average of -1.2% across its 355 places.
- Density rank: Edmore places 144th among North Dakota's places by people per square mile.
- Density in context: Edmore's 468 people per square mile sit against a North Dakota median of 352.
- Location: 48.4124, -98.4536 (US Census Bureau Gazetteer).
- Nearest larger cities: Langdon (24 mi); Munich (25 mi); Lakota (26 mi); Edinburg (28 mi); Devils Lake (28 mi). Lenders licensed in the state serve Edmore whether or not they keep a local branch.
- Nearest smaller towns: Lawton (9 mi); Fairdale (12 mi); Nekoma (12 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 34 of them.
- Larger places within 100 miles: 75.
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.
| 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 |
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.
Common questions
What are my options in Edmore if my credit is poor?
What loan size can I expect in Edmore?
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Does comparing loans in Edmore cost me credit score points?
Nearby places
- Lawton, ND — population 17
- Nekoma, ND — population 30
- Brocket, ND — population 31
- Fairdale, ND — population 27
- Loma, ND — population 8
- Hampden, ND — population 27
- Alsen, ND — population 32
- Langdon, ND — population 1,847