Personal loans in Gladstone, ND

By population, Gladstone sits at 130th in North Dakota, with an estimated 271 residents. Gladstone counts about 271 people, and what is genuinely local about borrowing here is limited — North Dakota law does the governing.

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

Compare loan offers Run the numbers first

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.

Gladstone gained roughly 0.7% in population across the 2020-to-2023 comparison. Work out your debt-to-income ratio first; lenders weigh it heavily, and Gladstone's 271 residents are no exception. A lender that serves Gladstone operates under North Dakota lending statutes and a North Dakota supervisor. The nearest larger city is Dickinson, ND about 11 miles away.

Gladstone: population, trend and location

Set out below is Gladstone's local context next to the state-level rules that reach every lender here.

How Gladstone compares across North Dakota

Against North Dakota's other places, Gladstone accounts for about 0.0% of the state's population and ranks 130th of 355 by size. On the 2020-to-2023 trend, Gladstone stands 41st among North Dakota's 355 places — roughly the 88th percentile. At about 747 people per square mile, Gladstone is the 81st most densely settled place in North Dakota. In land area, Gladstone ranks 228th among North Dakota's 355 places.

Inside a Gladstone personal loan

In Gladstone, a small community of about 271, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Gladstone can be quoted different APRs on the same amount and term. The term you choose in Gladstone decides the split between a comfortable payment and the total interest you pay.

Which North Dakota laws govern a loan in Gladstone

Read the table as a lender's compliance picture for Gladstone: 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

The geography behind Gladstone

Gladstone's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 747 people per square mile. Fargo, the largest place in North Dakota, is about 271 miles from Gladstone. A 50-mile radius around Gladstone takes in 11 places that are larger. By land area it ranks 228th of 355 North Dakota places.

A pre-application checklist for Gladstone

Complete these steps first when you borrow in Gladstone (271 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Test your amount and term in the personal loan calculator first.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a North Dakota licence by checking the regulator named above.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Test the payment against your current bills before you commit.

None of these steps is Gladstone-specific: the same North Dakota licensing and disclosure rules reach all 271 residents.

Compare personal loan offers Run the numbers first

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

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