Personal loans in Hamilton, ND
With roughly 42 residents, Hamilton is a small community, and the lending rules its borrowers live under are written in North Dakota, not by the city. Roughly 42 residents live in Hamilton, the 288th-largest community in North Dakota.
A larger market lies at Bathgate, ND about 5 miles away. Hamilton lost roughly 2.3% of its population across the 2020-to-2023 comparison. Which products a lender may offer to Hamilton's 42 residents follows from the North Dakota consumer-lending framework. Work out your debt-to-income ratio first; lenders weigh it heavily, and Hamilton's 42 residents are no exception.
Hamilton by the numbers
Set out below is Hamilton's local context next to the state-level rules that reach every lender here.
- Population: about 42, ranked 288th of 355 places in North Dakota (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.3% fewer residents than the 2020 Census counted.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: roughly 19% of North Dakota places rank below Hamilton.
- Population density: about 147 people per square mile (Census land area 0.3 sq mi).
- By land area: Hamilton ranks 269th among North Dakota's 355 places, at 0.3 sq mi.
- Share of North Dakota: Hamilton holds about 0.0% of the state's population, some 42 people.
- National standing: Hamilton ranks 19,086th of 19,457 US places.
- Growth rank: Hamilton ranks 207th among North Dakota's 355 places for the 2020-to-2023 change.
- Versus North Dakota: the state average change is -1.2%, while Hamilton moved 2.3%.
- Density rank: Hamilton is the 272nd most densely settled place in North Dakota.
- Density in context: Hamilton's 147 people per square mile sit against a North Dakota median of 352.
- Location: it lies at 48.8080, -97.4517 in the Census Gazetteer.
- Nearest larger cities: Bathgate (5 mi); Cavalier (8 mi); Neche (13 mi); St. Thomas (13 mi); Pembina (14 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Canton City (Hensel) (13 mi); Humboldt (18 mi); Milton (30 mi).
- Smaller neighbours: 9 places smaller than Hamilton sit within 50 miles.
- Larger places within 100 miles: 95.
Inside a Hamilton personal loan
Most loans made to Hamilton's 42 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Hamilton loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Hamilton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
The North Dakota lending rules that reach Hamilton
For the roughly 42 residents of Hamilton, 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 |
| 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 |
| Payday lending status | Legal for licensed deferred presentment service providers; fee capped at 20% of amount advanced; max $500 per transaction; $600 aggregate outstanding per customer. Source says: "A licensee may charge a fee for the deferred presentment service, not to exceed twenty percent of the amount paid to the customer" (N.D.C.C. 13-08-12); "may not disburse more than five hundred dollars to the customer in a deferred presentment service transaction" (13-08-12.3). | North Dakota Legislative Branch as of 2026-09-16 |
Hamilton's place among North Dakota's 355 places
Among North Dakota's 355 places, Hamilton sits at 288th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 207th of 355 North Dakota places, putting it near the 42th percentile for growth. Its roughly 147 residents per square mile place it 272nd among North Dakota's places. The population moved by about 1 people between 2020 and 2023, a 2.3% shift.
Hamilton: area, density and distance
Hamilton's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 42 residents, the land area yields roughly 147 people per square mile. For the state's biggest city, Fargo, the distance is roughly 137 miles. A 50-mile radius around Hamilton takes in 32 places that are larger. The 100-mile radius contains 95 larger places.
Getting a loan in Hamilton
Hamilton is lightly settled, with about 147 people per square mile and 32 larger places within 50 miles. Distance to a branch rarely matters for Hamilton's 42 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Bathgate, ND about 5 miles away.
Common questions
What are my options in Hamilton if my credit is poor?
What loan size can I expect in Hamilton?
Do I have to pledge anything to borrow in Hamilton?
Does comparing loans in Hamilton cost me credit score points?
Nearby places
- Bathgate, ND — population 48
- Cavalier, ND — population 1,223
- St. Thomas, ND — population 312
- Neche, ND — population 338
- Canton City (Hensel), ND — population 31
- Pembina, ND — population 497
- St. Vincent, MN — population 52
- Crystal, ND — population 111